Comments on: Department Store Credit Cards

by: Mary

Wed, 03 Mar 2010 15:36:02 +0000

I’m a college student. I had ZERO credit card history as well. The fact that I had no credit history does not give the reassurance of my reliablity and timely payments. They don’t want to risk giving you a card and never getting paid back for the purchase you made on their card, it would be a loss and hurt their business and ultimately your credit score. But it isn’t the end of the world. I tried Wal-Mart and was turned down. I also tried other department stores…I struck gold with Boscovs. I think it’s just a matter of trying different places until one of them approves you. After two months and paying my Boscovs bill in full as soon as I got the statements, I tried Wal-Mart again and was approved. Now I am happy and I get to shop at my two favorite stores

by: shena

Tue, 02 Mar 2010 19:36:28 +0000

I have no credit and am trying to get credit. I have tried getting credit cards, personal loans, j c penny cards nd even overdraft protection on my bank account. they wont let me because I have NO CREDIT. I dont know how to get any credit, my parents dont have credit cards either. thanks

by: Jessica

Thu, 25 Feb 2010 20:46:06 +0000

Actually, I applied for a JCPenney card and got denied because of not having enough credit history.

by: jenni

Wed, 10 Feb 2010 20:11:01 +0000

The easiest credit card to get is JCpenny

by: Asia

Sun, 07 Feb 2010 06:22:58 +0000

Jorge,

That was the most genius sht I ever heard!!! Thanks for the advice! It was a lot, but it was sooo worth it!

by: Erica

Fri, 05 Feb 2010 02:03:16 +0000

Try getting a credit card through your bank, or if you have a debit card use it as credit instead of debit.

by: Lisa Brown

Sun, 17 Jan 2010 16:11:51 +0000

The BEST card, more rewards for your money is the Dick’s Sporting Goods Rewards Card. Get the actual credit card (not the in-store only card), accepted anywhere Mastercard is. You get $10 in Dicks Certificates for every $300 you spend on the Mastercard. For me, this is anywhere between $20-$40 a month of FREE money at Dicks! It’s the best deal I’ve found, and I’ve looked & compared everywhere!

by: charline

Sun, 17 Jan 2010 01:22:46 +0000

Roxy

No credit file simply means that one has not yet been established. If your husband has a green card and an unrestricted social than he should be able to get a credit card. I am not from here either and was denied several times before I was able to get a credit card. He should stop applying for unsecured cards because it will only hurt him. I ended up applying for a secured credit card with Orchard bank. It was a great decision . When I filled out the on line application, I had to give them my bank information and allow them to withdraw the $200 minimum deposit that they asked for. About two weeks later I received my card with a $200 credit limit. I was able to increase my limit by sending them money orders for the amount that I wanted my limit to be increased. They put it in a savings account and I get that money back when I close my account or they keep it if they have to close my account for non payment. My bank account is linked to my credit card account, I make my payments on line for free and they take three days to post. If he pays his bill a little before the due date each month and keep a balance below 30% of his limit ( I recommend starting with a $500 limit and never charging more than $150), after six months, he should be able to easily get another card.

Good luck!

by: Kassie

Thu, 07 Jan 2010 07:22:53 +0000

I work at Kohls and got denied because I have no credit!
any other ideas besides department stores?

by: David S.

Wed, 16 Dec 2009 01:47:32 +0000

Try Kohl’s credit card.
I have no credit history and they approved me online for $300.