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Credit Card Applications » Questions » User Questions » Build Credit History » I heard it is easier to get a store card than bank credit card. I was thinking of filling ...

I heard it is easier to get a store card than bank credit card. I was thinking of filling out a Bed, Bath and Beyond application for their card to help me improve my credit. Is this a good idea?

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Leo Zhu

A store card may sometimes be easier to get than a traditional card due to decreased risk to the creditor because of the combination of a low limit and lone use of the card on their own merchandise. Store cards are not just given to anyone and some are easier to get than others. If a store issues their own card and it is not branded with a major payment network like Visa or MasterCard it will only be usable at their locations. They will probably also give you a low spending limit of somewhere between $500 and $1,000 dollars. This gives them the ability to have a little more discretion in considering negative credit factors. However, Bed Bath and Beyond only offers a MasterCard. That means you can use it anywhere, which will increase their risk which would obviously make the card slightly more difficult to get than a basic store card.

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