Help! accidentally applied for JCP card

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Help! accidentally applied for JCP card

Postby tae » Tue Sep 17, 2013 12:29 pm

So i am 19 with no previous credit history and was sort of tricked into getting a jcp credit card, the sales person did not tell me it was a credit card, he just told me it was a rewards card. i would like to try and cancel the card if possible.

Since i have no previous credit would canceling this card (as it is now my first card) would it ruin my credit score? or should i just keep the card and not use it?

i also read somewhere that you have to have a credit line for atleast 6 months before you start to get a credit score? i am not sure if this is true or not

i am very new to the world of credit so any help would be appreciated! thank you!

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Postby Obi-dan » Tue Sep 17, 2013 2:45 pm

This can be a useful tool to help you get started establishing credit. I don't think you need to close it right now. The deal with department store cards is usually a very high interest rate and no rewards. So if you don't carry a balance it won't cost you anything. You can use it to make normal purchases at JCP and pay when statement comes in. In time you can apply for a traditional bank card and then if you want you can look into closing it.

I think we've all done this, just remember anytime someone is trying to get you to sign up for something that you have all the power and take a minute to read over everything and make sure you fully understand it. If you don't understand it don't do it. This goes with investing too.
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Postby Marcov719 » Tue Sep 17, 2013 2:58 pm

You didn't think it was odd of them to ask for your SSN for a rewards card? Anyway, as Obi-dan mention I would keep it open and use it every now and then. I would use it for small purchases you might need at the store. Like maybe some socks? lol

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Postby Midori » Tue Sep 17, 2013 2:59 pm

My husband saw a store employee getting harassed for not "filling her quota", so he signed up for the JCP store card. He meant to turn around and cancel it a few weeks later, but I don't think he ever did. It's not hurting him by keeping it open and unused. It might even be helping him somewhat... a little extra available credit, something new for the credit mix, aging quietly until they decide to close it for him.

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Postby tae » Tue Sep 17, 2013 3:24 pm

Thank you guys for the really quick response much appreciated!

i was a little bit worried reading all the negative things online about credit and how hard it was to fix it. I was afraid i got off to a really bad start already, but as long as this card is helping me i should be fine.


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Postby DavidNY » Tue Sep 17, 2013 4:21 pm

Can't hurt since you've already taken the credit hit.

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Postby otter » Tue Sep 17, 2013 5:27 pm

Keep the card and use it once every few months paying it off in full. If your credit limit is, say $300, spend $10 and pay it off when your statement comes in. It's good to open an account at your age, because when it comes time for you to need credit (for marriage, to buy a car or house), you'll have a long term account for them to see you've been responsible for a long time.
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Postby tae » Wed Sep 18, 2013 12:48 am

About how long would i need to keep this JCP card to build up enough credit for a traditional bank card?

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Postby DeadSpider » Wed Sep 18, 2013 2:38 pm

Just keep you JCP card for now don't think too much about closing it anytime soon it's going to help you build credit.
In 6+ months you can try to apply for regular credit card but i will still keep JCP open as you already took HP and closing it won't really do you any good and there is no AF.

Few years from now when you have 2-4 credit cards and you think you'll never use your JCP you can always close it then and will still report for 10 years on you CR.

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Postby ilikeme1 » Wed Sep 18, 2013 4:07 pm

I would keep it open and use it occasionally then pay it off in full when you get the statements. I would also go back and complain to the manager about the tactics that sales person used.
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