I'm not a huge Sears fan, but my hubby shops there quite often. We applied in-store to save 10% that day and was approved instantly for a $6,000 credit limit. I believe the APR at the time was around 15% and there was no annual fee.
Recently, we were automatically upgraded to the MasterCard, and this card was replaced. Our scores are just over the 700's. This is a great card with excellent management online. There have been no issues whatsoever.
Comment Title: Re: Easy As It Gets From Kdb030609on 2010-01-30
Congratulations ! That is a great limit for a store card and now a Mastercard ! You will definitely get treated right. The card is issued by Citibank. Which has excellent customer service in my experiences with them.
Comment 2
Comment Title: Re: Easy As It Gets From Meyaon 2010-01-30
Way to go about Sear's. I have tried with them twice or more and all I got was a denial. That is a nice limit.
Comment 3
Comment Title: Re: Easy As It Gets From Wandereron 2010-01-30
Great Card! WOW! It is great to see people actually get real cards with good CLs. Glad you could get Citi to upgrade to the MC. It leaves the door open to more versatility of use.
Comment 4
Comment Title: Re: Easy As It Gets From Cceon 2010-01-30
It took buying a $4000 riding lawn mower to get that I think. Lol. Anyway, hubby loves the lawnmower and we got a good card out of it. Thanks for the posts!
Comment 5
Comment Title: Re: Easy As It Gets From Sandra1on 2010-02-02
I am glad my credit card limit was more than I expected, so I am happy :)
Comment 6
Comment Title: Re: Easy As It Gets From KIEJON9on 2010-02-04
Definitely wait at least until all accounts have aged six months or more. You could get a denial along the lines of... "Too many new accounts opened in the last six months." etc.
However, you are...
My guess is because I opened 3 out of 4 accounts in the past 12 months, and I had balances on most of them.
My utilization at that point was around 20%
Assuming you're young and your first credit card was opened 7/10, what had caused your scores to stay below 700? What is your current total utilization? You mentioned paying stuff off, if these...
I really want to get my foot in the door with AMEX. So I've read that Zync appears to be the easiest to get.
I currently have 4 Credit Cards (Citi Forward, Macys, Victoria Secret, and Ebay...
At least I know from my experiences when I was in my twenties and not so responsible about credit, sometimes after a few years have passed, some former creditors may decide to take you back. I had...
on 2010-01-29
Congratulations ! That is a great limit for a store card and now a Mastercard ! You will definitely get treated right. The card is issued by Citibank. Which has excellent customer service in my experiences with them.
Definitely wait at least until all accounts have aged six months or more. You could get a denial along the lines of... "Too many new accounts opened in the last six months." etc. However, you are...
Amex zync?