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Department store credit cards are offered to nearly every customer with every purchase. If not used carefully, these credit cards can get you in a lot of trouble. But when used responsibly, department store credit cards can earn you big discounts, reward points for gift certificates, coupons as well as short-term financing for major purchases.
Read through these tips to learn how to use department store credit cards the right way:
Look for Long Term Benefits
A lot of department store credit cards will offer a discount on your first purchase, but the real deal is cards that offer continued savings.
Special discount days, advance access to sales and birthday coupons are some of the benefits that should be offered to cardholders over non cardholders.
Dont Charge More than You Can Afford to Pay
Keep your purchases limited to what you need dont build charge on your card more than you can afford to pay just to get gift certificates or cash back.
Keep Your Balance Low
Balance less than 20% of your credit limit is ideal higher balances lower your credit score.
Pay Your Bill Before Interest Is Applicable
This tip should apply to all credit cards, but especially for department store credits cards because the interest rate is so high that if you carry over the balance for just one month, you will lose on any discounts or rewards that you had earned. If you think you cannot afford to pay your bills on time, avoid using the card.
Use them as a short-term loan
Department stores from where you can make big purchases, like Best Buy or Lowes, offer credit cards with zero perfect interest for a first few months. You can use this offer as a short-term loan with a payment plan in mind so when its time for you to pay back these finance charges; youve already paid it off.
Dont Buy for the Sake of Buying
Getting discounts and deals through coupons sounds great sometimes it drops your purchase costs to half. But if you are making purchases just so that you can get to use the coupon, ask yourself whether you would make the purchase on cash if the answer is no, dont use the department store credit card to make the purchase either.
List of All Store Credit Cards
Click on the letter associated with store name
Abercrombie & Fitch Aeropostale Aerosoles Aldo American Eagle American Greetings Ann Taylor Apple April Cornell Armani Exchange
Banana Republic Barnes & Noble Bath & Body Works BEBE Benetton Best Buy Bloomingdales Bombay Company Boscovs BOSS Hugo Boss Bostonian Shoes Brooks Brothers Brookstone Build-A-Bear Burberry
Cache' Cartier Caswell Massey Champs Sports Chanel Charles David Chicos Childrens Place Cingular One Cingular Wireless Circuit City Claires Club Libby Lu Club Monaco Coach Coldwater Creek Costco Crabtree & Evelyn Crate & Barrell CVS
Dante Tuxedo Delias Diesel Dior Disney Store DKNY Dolci & Gabbana Domain
Easy Spirit Emporio Armani Express Men Express Women
Fashionbug Feet First Fendi FootAction USA Footlocker Forever 21 Fortunoff French Connection
Gucci GAP Gap Kids Guess GNC Gymboree Gamestop Georgette Klinger Georg Jensen
Hollister HomeDepot Hot Topic
Jimmy Choo JCPenney J Crew J. Jill
KMART Kohls Kay Jewelers Kenneth Cole Kids Footlocker Kotliar's Cards & Gifts
Louis Vitton LaneBryant Lancome Lacoste LillianVernon Limited Limited Too Lord&Taylor Lids Lowes Linens-N-Things Lucky Brand Jeans Lady Footlocker Littman Jewelers
MACYS Mandees Modells Motherhood Maternity MAC Costemics Max Studio
NY&Co Nordstrom Nine West Neiman Marcus Nicole Miller
Polo Ralph Lauren PetSmart Pottery Barn PacSun Payless ShoeSource Pier One
RadioShack Restoration Hardware
Saks Fifth Avenue Sephora Steve Madden Sears Sharper Image Sunglass Hut Suncoast Starbucks Sterling Optical Spencer Gifts Select Comfort Sony Style
Toys-R-Us Tiffany & Co Talbots Target Toys-R-Us Things Remembered T Mobile Trade Secret Timberland
Victoria's Secret VitaminLab Verizon Wireless
Waldenbooks Walmart Wentworth Gallery Williams-Sonoma Wilsons Leather Wet Seal
Zales Jewelers Zara
Apply to these store credit cards here.
Apply for a Store Credit Card. Good credit, bad credit or no credit. Learn how to establish your credit.
Find your favorite store and apply for a credit card. Department Stores and Retail Stores at StoreCreditCards.org.
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Article by: Nicole
Finally a website dedicated just for store credit cards and department store credit cards!
Also, you have the ability to pay bills online, view important records, apply for a card even if you have
bad credit, get account access, retail store gift cards and shop online at your favorite store.
Shop online and use your store credit card all from one website.