Easiest Store Credit Cards to Get - 10 Store Card Reviews

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- Today I will be talking about store credit cards and how easy it is to get approved for store credit. (dramatic music) If you don't have the best credit, applying for store credit lines are some of the easiest ways to get approved for credit. So before I get into these 10 easy-to-get store credit cards, if you find this video helpful today, it helps me a lot if you hit the like button, and if you want to see more video reviews on different credit card offers, store and major credit cards, hit the subscribe button. I'm doing this video today because some of my most popular videos and articles have been on store credit cards, and I have compiled a list of my 10 favorite and easiest store credit cards to get approved for. I want to think everybody that watches my channel, so I'm dedicating this video to you, the viewers and subscribers of Credit Fast, thank you. I've been uploading videos for just over a year now, and I can't thank you enough for your support. So if you're watching this video today, you probably either have bad credit, no credit, limited credit history or fair credit. And if you do, I have a Facebook group where I put different credit card offers that fit within those categories. And if you're interested to learn more, you can find the link for that in the description of this video. I will be talking about all these credit cards today. If you have any opinions on them, whether they are good or bad, leave them in the comments. As you know, if you're a regular viewer of this channel, the viewers are not shy about leaving their opinions about how these credit card offers have worked for them. So, if you have tried some of the credit cards I talk about today, leave a comment how it worked for you. And if there's a pretty easy store credit approval offer that I didn't mention in this video, leave that in the comments below too, because I might do a part two. The first store credit cards I will be talking about is from Walmart and Target. The reason I bring those up is because for most people, it is probably the most useful store credit card you could possibly have, and the whole idea is if you are going to open a store line of credit, you want to open a line to a place that you go to regularly and usually for a lot of Americans, Walmart and Target are popular shopping destinations. And you get advantages with having these store cards. As you know, from my past video, I have the Target Red card and I just love it. Target will give you 5% off on the majority, and when I say majority, the majority of all your purchases. It's handy because you get a discount right away. And they also offer different deals that you know about when you're a card holder. The next store card I want to talk about is the Express card. The Express card has been one of the easiest store credit cards for many people to get approved for. It is part of what's known as the Comenity shopping cart trick. For a couple of years now you're able to apply for the Express card without a hard inquiry, if you follow the shopping cart trick methods. Over a year ago I used the shopping cart trick method, and it worked. I was using only the last four digits of my social security number, and I got a pop-up instant approval offer from Express credit card. I didn't take them up on their offer, and you can see that about a month later they sent me a letter trying to see if I would be interested in completing the application. I didn't, but the thing about it is, for people that really didn't have good credit at all or no credit, the Express card gave many people an opportunity for a line of credit with no annual fee. Now, in the comment section, if you were able to get this card this way, let us know, and more importantly, if you were able to do it recently. Because it seems like the shopping cart trick doesn't work as easily as this has in the past, and if you've had experience trying it, please let us know in the comments if it worked for you. Some of these store credit card offers are pretty lenient on their requirements, but that doesn't mean if you have a very low credit score that you'll actually get approved. But if you have less than perfect credit, many of these store credit cards I will be talking about today will give you a chance to acquire new lines of credit that you can help rebuild your credit score. The next line of credit that I'm going to be talking about is a little bit different than the rest, and that is the Fingerhut Catalog, which an online shopping website that allows you to buy name brand items online on credit. Now, just to put a disclaimer out there, you usually end up paying a little bit more and interest, but if you have really terrible, horrible credit, usually with Fingerhut you can get approved. And at least at this point you can help yourself along, build some positive credit history, and then at least be able to apply for some of these store credit cards I'm talking about today in this video. Another store credit card I will be talking about is the Wayfair card, and this is an online furniture shopping site. And it used to be part of the Comenity shopping cart trick. These days what I've seen is that you get a soft inquiry pre-qualification, and then after that if you decide to apply for this offer, if you go through the full application process, you'll then be hit with a hard inquiry. If I'm wrong about this, let me know. Just let everyone know whether, if you get a hard inquiry or not. It used to be you wouldn't, but I believe now people get a hard inquiry when they apply for this card. Even though Wayfair's pretty easy to get approved for, I don't recommend it unless you are actually in a place in your life where you're buying furniture or things to decorate your house. If you don't, if you're not buying things like that, then it's going to be a pretty empty line of credit. One of the most popular store credit cards reviews I've done on YouTube has been on the Kohl's charge card. And what's great about the Kohl's charge card application is that the first part of it is a prequalification application. So you fill out the information, what Kohl's will do is, they will tell you the high likelihood of whether you will get approved or not approved. And from that you can decide whether to apply, and then most people have received hard inquiries after they fill out that part of the application. Every once in a while I have people in the comment sections of that video say that they did not receive a hard inquiry. But generally you will receive a hard inquiry. But, if you are pre-qualified, it's not a bad thing. Like I say, as long as you get approved, a hard inquiry isn't so bad. And when you use your line of credit, you're building credit, so that offsets the few points that you lose for that hard inquiry. The next credit card I'm going to talk about that I really like, and I mean I really like, is the Best Buy Visa card. And that's not a store card that a lot of people mention in reviews, but I'm going to mention it because of my personal experience when I applied for this card. Now, everyone knows that three years ago I was rebuilding my credit, and at that point three years ago, let's say three and a half years ago, I had one year credit history with the Capitol One platinum card and that I had two other credit cards with six months of history. So really my credit history at that point was limited. I applied for the Best Buy card, and I didn't know whether I would get approved for just the store card or the Best Buy Visa card. And with just having that limited credit history, I was approved for the Best Buy Visa card. And that is a great card that offers 0% financing on electronics and different items that you can buy at the Best Buy store. And if you can get approved for the Best Buy Visa card, that's even better because they will give you rewards on purchases outside of Best Buy. You get rewards on dining and other things like that. So using Best Buy's 0% financing promotions has saved me so much money, but you need to know one important thing, you have to pay the entire balance of your purchase by the expiration date of the 0% financing deal. If you leave $1 one day past the ending of that promotion, you will end up paying all the interest, the back interest that was accumulating for the term of the promotion. And that could be hundreds of dollars. Interest on this card is high. But as long as you know that and you pay your balances in full before the promotion offer ends, you will have 0% financing and you will save. The next two store credit cards I will be talking about is Nordstrom store card, the Nordstrom Visa, the Macy's card and the Macy's American Express card. These are your finer department store credit cards, and they are for buying nicer things. And the advantage of having one of these store department cards is that this gives you a chance to have discounts on these higher end items that people that are not card holders would not be having access to. So the last store credit card I am going to be talking about will surprise you, and that is the Sears store credit card. Now, I have done a review video on the Sears card in the past, and I was a past employee for many years. So I really know how to work the Sears programs and get really great stuff at a great price. With the Sears Shop Your Way MasterCard, you can use it outside of Sears and earn even more rewards. If you are worried about the current condition of Sears, this a Citi-branded card, so if something happens to Sears, you should be able to product change to another Citibank card. That's what Citibank does anyways if you have a card for a year or more. If you don't like your Citibank credit card, you can choose a different Citibank credit card. But if you don't want the Sears credit card at all, you can always sign up for the Shop Your Way rewards program, it's free to sign up, and it's connected to your phone number, so you just type in your phone number each and every time you make a purchase at Sears and it tracks your purchases and then gives you reward credits back on future purchases. And this works really great in my family because we buy things at Sears, especially appliances and Craftsmen tools were some of the major things that we buy, but I even buy clothes at Sears. This top I purchased at Sears. So I can tell you from my experience it is completely free to sign up. Once you're signed up, it's tracked by your phone number. You just type in your phone number each and every time you buy something at Sears and all your purchases are tracked and then you start to accumulate store credits. And I can tell you, and this is completely honest, I have received hundreds of dollars in different store credits. So today I talked about the 10 easiest store credit cards to get if you don't have the best credit. These are excellent opportunities to receive no annual fee lines of credit that can help you build your credit score higher. If you find this video helpful today, please smash that like button, and if you want to see more videos like this where I review different credit cards, hit that subscribe button and bell notification, and when I upload new content, you will be notified. I appreciate it so much that you watched my entire review on the easiest store credit cards to get, and they really are easy to get. And I wish you all the best in building credit with these cards that have basically no annual fee, but high interest, and make sure that you pay your balances in full to avoid that interest. And if you do that, you will have great credit and great deals on things you would buy anyways. So thank you so much, and until next time.
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Channel: CreditFast
Views: 38,567
Rating: 4.8785529 out of 5
Keywords: easiest store credit cards to get, store card reviews, store credit cards, store cards, easy store card approval, store cards for bad credit, store credit cards to build credit, shopping cart trick, walmart credit card, target credit card, express credit card, fingerhut, wayfair credit card, kohls credit card, best buy credit card, macy's credit card, nordstrom credit card, sears credit card, best store credit cards, creditfast
Id: ru0b4W08Viw
Channel Id: undefined
Length: 14min 19sec (859 seconds)
Published: Sun Sep 15 2019
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