Applying for store credit card in-person vs. online?

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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Applying for store credit card in-person vs. online?

Postby buttons85 » Fri Jul 06, 2012 11:22 am

I have applied for several store credit credit cards (about 3) online in the past month and have been declined for all of them, which makes absolutely no sense. My credit score is 700 and I have never made a late payment. My total debt is around $900. I applied for a Banana Republic credit card in the store at the end of May and was approved on the spot.

Is it easier to get approved by applying in-store vs. online? Has anyone had better experience with an application in-person? Thanks!

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Postby Ratfacedudeguy » Fri Jul 06, 2012 2:01 pm

Either way it still goes to the same underwriting system, so you'll have the same results whether you apply in person or online. I see that your total debt is around $900, but how high is that in relation to your total credit lines? $900 isn't alot of debt for someone with $50,000 in total open credit, but for someone with $1000 in open credit limits obviously that would be much more significant. With some additional information we will be able to more accurately gauge what exactly is holding you back.
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Postby CC Deville » Fri Jul 06, 2012 7:53 pm

The only thing that I have heard is that if you apply online for a Macy's or Bloomingdale's you will likely get a small limit as opposed to a higher limit if applied for at the store. This is mostly a security issue.

Honestly, they did you a favor. One should really only have one or two store cards anyway.

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Postby shanteruss5 » Sun Dec 02, 2012 6:31 pm

It may be the same underwriting system, but yes it is WAY easier to get a store credit card when you actually apply in the store. I have credit that is mediocre at best (500's) and I have been getting store credit cards left and right this holiday season. In the same token any card that I have applied to online turned me down on the spot. Toys R us (issued by GE) denied me online, but 2 weeks I was approved for a 800 dollar credit limit in Dillard's (also issued by GE) instantly..

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