I’m currently planning to buy an entirely new... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » I’m currently planning to buy an entirely new wardrobe for the upcoming season and I plan on shopping only...

I’m currently planning to buy an entirely new wardrobe for the upcoming season and I plan on shopping only at H&M. I was hoping they would have a credit card that I could apply for, but unfortunately, they do not. Is there any specific type of credit card that you would recommend me to use to complete this purchase?

Answered on | Updated on May 3rd, 2017
The content is accurate at the time of publication and is subject to change.

The type of credit card that we would recommend to you would be based on your overall reason for wanting to use a credit card to complete your purchase. There are only two reasons why you would be doing this, you either don’t have all the funds together or you’re simply trying to get more out of your purchase. If it’s a money issue, the best thing to do is apply for a credit card that includes a 0% introductory APR on purchases. By using a 0% APR card, you would be able to pay off your balance over a period of time, without collecting interest. When trying to get the most out of your purchases, apply for a general rewards credit card. The amount of reward points you can earn from a single large purchase can potentially be enough for a gift card, statement credit or something even greater.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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The Citi Rewards+SM Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Excellent, Good Credit
Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Excellent, Good Credit
Perfect credit not required for approval; we may approve you when others won’t
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