Department store credit cards for bad credit

**naomibatac** · Sep 11, 11, 2:00 pm

Most reviews I read favored Sears as a fair good card for bad credit. Some reviewers have also used it to build their credit history.

**JNK** · Sep 15, 11, 3:30 am

Don't try Macy's.

Back when their cobranded major credit card was Visa, it was easier to get approved but now (within the last few years/year) that it is cobranded with American Express, I think the overall approval rate - even for the store card alone - is lower.

**gufstefson** · Sep 15, 11, 4:39 pm

I heard the same about Macy's, and Kohl's too. The smaller chain stores might be more accepting of bad credit though just a guess at that.

**roslyn** · Oct 21, 11, 1:29 pm

What about a credit score of around 700. How will that fare when applying for a department store card from say, JCP or Kohls?

**Money card** · Oct 21, 11, 7:35 pm

Originally Posted by CFA

I applied for a department store offer thinking it would be easy and I was flat out denied.

What's up with that. The cards suck why is the approval so strict. Arent there any that will approve someone with poor credit?

usually the less expensive stores like JCPenneys, Kohls, sears. because their stores are not as expensive they figure you can pay back what you owe. like for example let's say somebody just starting a job never had a card before.

I think that's why it's easier, even if you have poor credit.

**Money card** · Oct 21, 11, 7:57 pm

Originally Posted by roslyn

What about a credit score of around 700. How will that fare when applying for a department store card from say, JCP or Kohls?

you will absolutely have no problem getting any store card. when you use a credit card all over you figure how much money can you put on a card in 1 month, which includes any kind of store, restaurant, hotel, movie, gas stations, ordering online - you can have a bill easily over a few thousands with all those places. but when you have a store card like you could have a bill of 500.

but with scores of 700 they will know that you can pay your bills or your score wouldn't be that.

they know you can't use these cards all over, just at the store, ordering online or if they have outlets. store cards are less risky even though they have higher interest rates than major cards so with a 700 credit score there is no problem getting a store card.

**DavidNY** · Oct 21, 11, 8:06 pm

I was thinking of getting a Target credit card for 5% off everything but I don't really need a credit card I can only use in one place so I ended up going with the debit card. Not a bad deal.

**Money card** · Oct 22, 11, 9:17 pm

have you ever thought about the Target visa? this card can be used all over.

**DavidNY** · Oct 22, 11, 9:26 pm

Originally Posted by Money card

have you ever thought about the Target visa? this card can be used all over.

Target stopped offering their Visa card in April, 2010.

http://www.bizjournals.com/twincitie...9/daily16.html

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