If you are looking for an easy credit card approval, need to rebuild credit or simply like to shop, here are some of the easiest department store credit cards to apply for.
As you can see there are plenty of options if you are looking for easy department store credit cards to get. Most retail stores have a credit card that you can apply for and the great news is they are quite easy to be approved for.
To be approved for easy department store credit cards, you need:
- to be at least 18 years of age
- have a job
- some stores require a utility bill to be presented in your name
If you meet all of these criteria, then you will more than likely be approved. But there are a few negative things to remember when applying for this type of card however.
Most department store credit cards carry a higher than normal rate of interest. Some can climb as high as 30%! This means you will pay quite a bit more for each purchase you make.
Another feature than shouldn t be ignored is that some department store credit cards do not report to the major credit bureaus. This means that even if you pay your bills on time each month, it won t increase your credit score.
However, if you have decent credit and are applying for a department store card, they can offer some great advantages. Some have cash back features and others have points or rewards that can be used toward extra purchases.
Another great advantage to having a department store card is that you normally become a member and are rewarded with special offers and promotions. You will also be notified in advance of any upcoming sales or special events.
Before you apply for a department store credit card, be sure to read the fine print and be sure you agree with all of the terms and conditions.These cards can be a wonderful way to spend or they could cause you alot of credit trouble.