What is the best store or department store credit card to get with a low credit
score?
Department store credit cards are a great idea if you hate carrying cash when going shopping. However, some people have rightfully spoken about the fact that most of them offer small rewards with high APRs’. But they are still very beneficial for people who have a low credit score and want to improve it. Applying for them requires not much forethought because getting approved is usually easy. However, you definitely have to take care to choose the best department store credit cards to apply to if your credit score is low.
Getting a department store credit card: Is it a good idea?
If you have wondered about this, then let us tell you that the most important reason why this is so, is because having the option of not carrying cash when you have to stop by for milk at the store is a wonderful feeling. That is why purchasing a credit card from a store you regularly shop at is important. Another reason why this is a good idea is if your credit history is not very good or very new. In both the cases, you need to build up credit as easily and quickly as possible and department store credit cards make this easy. Thirdly, if you are smart, you will be able to purchase department store credit cards which offer beneficial bonus offers and attractive discounts on purchases. So choose your card with care and enjoy the many benefits that come with it.
The good news is that this year, there are quite a few department store credit cards available which you can avail of even with a low credit score rating. Here, we have mentioned a few of the top credit cards of department stores available in the USA in 2015. They are in no particular order.
What is the best store or department store credit card to get with a low credit
score?
• Wal-Mart
Wal-Mart has two kinds of credit cards on offer and they are usually the easiest to get approvals for. You can get one with a bad credit score or even no credit history at all. One of them is for in-store purchases only while the other that can be used everywhere that accepts MasterCard payments. The latter is a bit more difficult to get approved for but the former will be no trouble.
• JC Penney
JC Penney is another department store where it will be easy to get approved for credit cards with a low credit score. They have recently relaxed their approval process. With one of these, you can get rewards for making purchases on J.C. Penney items though the company has been known to give away credit limits as low as $150.
• Sears
With its dwindling customer base, getting a credit card is easy with Sears. It’s great that they have a huge variety of things in store so you will not be limited in choice while shopping.
Make sure you consider all options before you make your choice about which department store to opt for.
View ALL Store Credit Cards
The stores mentioned above look like this:
