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  1. #1
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    Default Department store credit cards for bad credit

    What department store credit cards for bad credit would be easy to get? I read the Kohl's review and it sounds tough to get. I don't know much about the upscale credit cards for department stores like Bloomingdales and Nordstrom but I bet those are very unfriendly to bad credit and having a BK. Are smaller, regional department store credit cards easier to get approved for then the big national chains or is it the other way around?

    Right now the Sears card sounds the most promising from the credit card reviews I have read. Not the Mastercard but the credit card that is for in-store only. On the Sears website this is listed as the first benefit Learn how to improve your score and I take that as a sign it's for people with bad credit. Would that be the department store credit card that would be most easy to get?
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  2. #2
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    When I was trying to start my credit in 2001, nobody wanted me until Macy's (then Goldsmith's) approved me with $200.00 CL.
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  3. #3
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    A low credit limit to start with doesn't bother me as long as it's an unsecured credit card.

    For a past BK and limited credit since do you think the Macy's cards today will be easy to get?
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    All issuers got tighter since the economy disaster in 2009, but you can always call and ask. Over the years they have increased the initial CL to 1200.00
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  5. #5
    CCG
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    In addition to department store credit cards for bad credit, I would suggest you try this sponsored tool out to see if you pre-qualify for any Visa or MasterCard affiliated cards (which are better to have). Checking uses a soft credit pull only and those do not hurt your credit score.
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  6. #6
    CFA
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    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?
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  7. #7
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    I recommend the BofA Secured Visa card. $39/year, and periodic reviews to make it unsecured.
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    Which one?

    And don't apply for ANY department store credit card. These days, they only accept people with at least fair credit.

    I work in retail and I get a lot more people denied than I do approved.
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  9. #9
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    Hi,

    I'm new to the forum. My FICO's range from 630's-650's 1 paid Collection. What Retail Card would approve me? I have 3 CC's 2 secured 1 unsecured. Really interested in just 1 retail card for now.
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  10. #10
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    Quote Originally Posted by LS2982 View Post
    Hi,

    I'm new to the forum. My FICO's range from 630's-650's 1 paid Collection. What Retail Card would approve me? I have 3 CC's 2 secured 1 unsecured. Really interested in just 1 retail card for now.
    Sears and Best Buy are good bets. Sears is known to be lenient when it comes to giving credit and Best Buy considers you for over 2 options (Master Card and Store Card).

    Safest bet is Sears.
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