"Just Another Lineof Credit"
Buckle Credit Card Review
Written by: interjack on 2009-03-15
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
interjack's review: 
I have had this card for two years and just use it whenever I shop at Buckle or need an emergency outfit. If you apply for this card, apply in store. If you are a college student, give them your student ID and apply for a student account. Your limit will be low, but you will almost be guaranteed approval. (I applied online and was denied, went in store next day and was approved). The CS is horrible and the toll free menu is a labyrinth. Payments made on the day of the due date online are considered on time.
I never receive rewards with this card but there is a point system in place.
Pay on time and use your card and over time you will receive pretty large CLIs.
I have had this card for two years and just use it whenever I shop at Buckle or need an emergency outfit. If you apply for this card, apply in store. If you are a college student, give them your student ID and apply for a student account. Your limit will be low, but you will almost be guaranteed approval. (I applied online and was denied, went in store next day and was approved). The CS is horrible and the toll free menu is a labyrinth. Payments made on the day of the due date online are considered on time. I never receive rewards with this card but there is a point system in place.
Pay on time and use your card and over time you will receive pretty large CLIs.
6 Comments
Comment 1 by rockin35
APR? 
on 2009-03-15
If you don't mind, can you share your APR and your credit limit? What it was initially and how often your limits were increased? Rockin35!
on 2009-03-15 If you don't mind, can you share your APR and your credit limit? What it was initially and how often your limits were increased? Rockin35!
Comment 2 by interjack
Regarding APR And CL on 2009-03-15
My APR has been 22.8% since I opened my account. They changed it last month to 23.32%. When I opened my account, I had a CL of $200. I made two purchases each in the year for around $50 and revolved them for two months paying around $25 until they were payed off. In the first year, I had no CLI. Called CS and CS said that my limit was not increased because I had a zero balance. So, I made $175 in purchases and got a CLI in the same month to $620.
My Express card is about the same and is issued by the same bank. I started out with a CL of $200 but used my card like there was no tomorrow and got a CLI to $920 after 11 mos.
on 2009-03-15 My APR has been 22.8% since I opened my account. They changed it last month to 23.32%. When I opened my account, I had a CL of $200. I made two purchases each in the year for around $50 and revolved them for two months paying around $25 until they were payed off. In the first year, I had no CLI. Called CS and CS said that my limit was not increased because I had a zero balance. So, I made $175 in purchases and got a CLI in the same month to $620. My Express card is about the same and is issued by the same bank. I started out with a CL of $200 but used my card like there was no tomorrow and got a CLI to $920 after 11 mos.
Comment 3 by wanderer
Card Serves MIX For FICO Scores on 2009-03-22
Purpose in a card like this is a mix of card types reporting for FICO Scores. FICO scores look for bank cards, store/gas cards, mortgages and installment loans (personal loans, vehicle loans, personal line of credit). FICO likes to see a mix of use. FICO Scores look for account activity too. Not just a card sitting there reporting its existence but no use. Sock drawing is not the answer.
on 2009-03-22 Purpose in a card like this is a mix of card types reporting for FICO Scores. FICO scores look for bank cards, store/gas cards, mortgages and installment loans (personal loans, vehicle loans, personal line of credit). FICO likes to see a mix of use. FICO Scores look for account activity too. Not just a card sitting there reporting its existence but no use. Sock drawing is not the answer.
Comment 4 by ding
Interjack on 2009-03-23
Hey interjack... What were your scores when you applied in the store for the credit bureas?
on 2009-03-23 Hey interjack... What were your scores when you applied in the store for the credit bureas?
Comment 5 by interjack
Regarding Credit Scores on 2009-03-24
I am not exactly sure what they were, but I had just started to establish credit, so I would imagine that it was somewhere around 580.
on 2009-03-24 I am not exactly sure what they were, but I had just started to establish credit, so I would imagine that it was somewhere around 580.
Comment 6 by interjack
Re: Just Another Lineof Credit on 2010-09-15
Looks like they have bumped my limit up to $1230!
on 2010-09-15 Looks like they have bumped my limit up to $1230!
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Disclaimer: This content is not provided by Comenity Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Comenity Bank. Review content is powered by Finance Globe.
