Old Navy Visa

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Replied by FrankN on topic Store cards are good if paid in full within the billing cycle

Most store credit cards can be used anywhere. Unless you shop there a lot, I usually advise against them.
1 year 7 months ago #1

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Replied by JacksonM on topic Store cards are good if paid in full within the billing cycle

I had store cards as "starter" credit cards. Like some have said before, it's harder to do too much damage. At this point, I suppose I technically have a store card, though it's also a Mastercard that I can use anywhere. I've also held onto it for the perks. Sometimes I get an extra discount at the store, but the point system, in general, is also pretty good.
1 year 8 months ago #2

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Replied by JGibbs on topic Store cards are good if paid in full within the billing cycle

willkarter wrote: I have a couple of dept. store cards that I use regularly just for the perks. I do manage to pay them off each month simply because of the interest rate. It's a game. Play the game, get the perks, pay the bill. Vicious cycle isn't it?
In between anyone has tried Walmart card ? Am thinking to apply for it?

Welcome to the forum, willkarter! I had the Walmart credit card back when gas was $5 a gallon because I wanted the gas discount. The interest rate was higher than any other card I had at the time. It was convenient to pay off each month since I could pay the bill in the store while getting groceries. I canceled the card when I stopped shopping there. I noticed your link leads to mycreditcardguide.org. Do you run that site?
Last edit: 1 year 8 months ago by JGibbs.
1 year 8 months ago #3

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Replied by Lexie on topic Re: Old Navy Visa

JGibbs wrote:

Lexie wrote: I have a couple of dept. store cards that I use regularly just for the perks. I do manage to pay them off each month simply because of the interest rate. It's a game. Play the game, get the perks, pay the bill. Vicious cycle isn't it?

Are the perks worth it for store cards, Lexie? I play the points game too but maybe this kind is safer since you can't run up a store card when there's an "emergency" whether real or imagined.


I suppose the points game is about the same. I do like to give gift certificates to certain stores and I can put that cost on my store card as well. However, you can do that with any major credit card too. It's 6 of one and half dozen of the other. :)
2 years 3 months ago #4

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Replied by FrugalFran on topic Re: Old Navy Visa

I have a Kohl's card and I find that oftentimes the cashier will give me an extra discount even if I don't use my card. It doesn't have a huge limit, so I can't do much damage, but it does come in handy for the additional discounts.
Last edit: 2 years 3 months ago by FrugalFran.
2 years 3 months ago #5

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Replied by Wanderer on topic Re: Old Navy Visa

Yes, I quit store cards last year closing my final two of JC Penney and Kohls.
2 years 3 months ago #6

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Replied by FrankN on topic Re: Old Navy Visa

I quit store cards a long time ago. I couldn't justify them.
2 years 3 months ago #7

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Replied by JGibbs on topic Re: Old Navy Visa

Lexie wrote: I have a couple of dept. store cards that I use regularly just for the perks. I do manage to pay them off each month simply because of the interest rate. It's a game. Play the game, get the perks, pay the bill. Vicious cycle isn't it?

Are the perks worth it for store cards, Lexie? I play the points game too but maybe this kind is safer since you can't run up a store card when there's an "emergency" whether real or imagined.
2 years 3 months ago #8

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Replied by Lexie on topic Re: Old Navy Visa

I have a couple of dept. store cards that I use regularly just for the perks. I do manage to pay them off each month simply because of the interest rate. It's a game. Play the game, get the perks, pay the bill. Vicious cycle isn't it?
2 years 3 months ago #9

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Replied by patse on topic Re: Old Navy Visa

I don't have one of these cards. I don't shop there enough. I do agree that the APR is a lot higher when you have store credit cards. If you shop there enough, get the card. They usually have a lot of perks.
3 years 3 months ago #10

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Replied by FrankN on topic Re: Old Navy Visa

Usually store credit cards only make sense if you spend a lot at that particular store. The APRs are generally as bad (or worse) than other credit cards, and the rewards only rack up if you spend a lot of money at that store.
3 years 4 months ago #11

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Replied by patse on topic Re: Old Navy Visa

I have a couple of store credit cards. I will only get one if the perks are amazing. The interest rates are usually high so the perks have to be great. I like the ones where you earn money to spend in the store.
3 years 5 months ago #12

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Replied by FrugalFran on topic Re: Old Navy Visa

I'd be interested to know about rewards or perks for this, too. I wonder if they do points to earn money to spend in the store.
3 years 6 months ago #13

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Replied by Breakinger on topic Re: Old Navy Visa

That's really great. I do a lot of shopping there and have always thought about applying for a store card. Their CL seems very generous. I would like to know if the ARP is the same as other store cards and what type of perks this card offers?
3 years 6 months ago #14

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Replied by Wanderer on topic Re: Old Navy Visa

On a whim applied in store and got approved for Old Navy Visa with CL of $1,000. First store card branded with Visa/Mastercard.....(what did the Jeffersons say???? ---- {sings} "Movin' On Up!!

Awesome! You are "movin' on up". Congrats! Totally cool.
5 years 10 months ago #15

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