Do You Have Any Store-Specific Credit Cards?

August 7, 2008

62 Comments

I have a khols card with a $0 bal. that I used to purchase items 2 years in adavance for a home we justed moved into about 2 moths ago. My husband have a macy's card that I used but it also has a $0 thats it. We just keep them open to show line of credit and the macy's one is great they have great sales every now and then.

haydee 4 years 40 weeks

I have Old Navy and Macys. I also have VS but never used it at all

Captious 4 years 40 weeks

@Melo D Yes it is good to have a couple credit cards open even if you don't use them. One thing that counts in looking at your credit is the length of your relationships w/ your creditors. So unless you can't keep from using them or have messed them up don't close out your oldest cards.

Captious 4 years 40 weeks

Someday when I have a "real" job and can afford to feed my J. Crew cravings that'll happen. Until then I just use my debit card. (I earn airline miles!)

lenepocket 4 years 40 weeks

I have a VS, JCPenny's and a Bon-Ton. I want more though! lol

missjh 4 years 40 weeks

you have no idea how many times i've been asked at banana republic, j.crew, victoria's secret, etc. if i wanted to open a credit card to save money. i always say no. i don't trust myself with a credit card lol. the only cards i have is a bank of america debit card and a credit card that my parents pay for, which i use for necessities like gas, groceries, and bills.

Morenasobuena 4 years 40 weeks

Victoria SecretBebeIkeaNordstrom

Morenasobuena 4 years 40 weeks

Victoria Secret Bebe Ikea Nordstrom

daisymay81 4 years 40 weeks

I have a white angel card!

daisymay81 4 years 40 weeks

I have a white angel card!

krissaelle 4 years 40 weeks

Ann Taylor and Kohls (with zero balances on both) and a Best Buy card.

juju 4 years 40 weeks

Lately my biggest pet peeve when I am shopping is when the sales folks are so pushy with the store credit cards. "Are you SURE? You can save 10%!". It isn't just a coupon...a credit card request is going to go onto my credit report, and that card will be there whether I ever use it again or not. In my younger years I had quite a few store cards, and I've paid them all off, but it still bothers me to see all those cards in my credit history.

juju 4 years 40 weeks

amynick3 4 years 40 weeks

Like many of you, I have a VS card too. I love it! They send me great coupons and offers - I recently ordered a new Biofit, matching undies, two pairs of jeans, three turtleneck sweaters, and a nice work shirt all under $125 (including shipping!). I pay back the balance in full and never keep a revolving balance.

bengalspice 4 years 40 weeks

GAP

bengalspice 4 years 40 weeks

GAP

bluebird 4 years 40 weeks

The only credit cards I'm willing to have right now are store-specific! Mine are for American Eagle and HP. I used to have an Abercrombie and Fitch card, but I went through a long period of not liking anything they came out with and canceled it.

nslods 4 years 40 weeks

I have VS. I used to have Macy's and New York and Company, but those have since been closed and cut up.

Martini Rossi 4 years 40 weeks

I have a gap (which means Banana Republic and Old Navy Card) and Victoria's Secret. Ive been so good with paying my debt that they keep increasing my spending limit!!!

megln1022 4 years 40 weeks

i have Bloomies, Neiman's, Banana, J Crew, and VS. Neiman's is necessary cause they only accept their own card or Amex and i don't have Amex. I used to shop at Banana and Crew all the time, so those cards used to be helpful because they gave coupons and gift cards when i spent enough. I don't really use them anymore. VS i rarely use but they still send me coupons for free underwear, so that is nice lol. and Bloomie's i haven't used in a while, but they send coupons too so i keep them.I've actually been really good for the past 6 months or so about only using my Visas. (yea i have 3 of those lol)

megln1022 4 years 40 weeks

i have Bloomies, Neiman's, Banana, J Crew, and VS. Neiman's is necessary cause they only accept their own card or Amex and i don't have Amex. I used to shop at Banana and Crew all the time, so those cards used to be helpful because they gave coupons and gift cards when i spent enough. I don't really use them anymore. VS i rarely use but they still send me coupons for free underwear, so that is nice lol. and Bloomie's i haven't used in a while, but they send coupons too so i keep them. I've actually been really good for the past 6 months or so about only using my Visas. (yea i have 3 of those lol)

soulight 4 years 40 weeks

Nope I've considered it, but right now I don't think the rewards outweigh the possible risk, like that whole tj maxx fiasco. When you put your identity out there too much I worry that it may come back to bite me.

Liss 4 years 40 weeks

I have a VS and Sears card. The VS is paid off and the Sears i feel will never be paid off. The interest rate is sooo high, I am going to have to start paiying any extra money i have towards it.

Le Luxe 4 years 40 weeks

I have a Gap Card but thats it. And even that is dangerous!

millarci 4 years 40 weeks

The only VS store credit card I own. I rarely use it. I don't like store credit cards. The only one I considered getting was maybe a Target one because I shop there so much. LOL!

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62 Comments

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