When I went to a Restoration Hardware store recently, they told me I could sign up for a...
ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site.
Credit-Land.com receives compensation from most issuers whose offers appear on our site.
Compensation fromour advertising partners may impact how and where their products appear on our site,
including, for example, the order in which they may appear within review lists.
Credit-Land.com has not reviewed all available credit card offers in the marketplace.
When I went to a Restoration Hardware store recently, they told me I could sign up for a credit card right there at the register and get a big discount on my first purchase. But I wasn't sure whether my credit would be good enough to be approved, so I didn't apply. Should I have gone ahead and applied for the card? Did I miss my chance to save on any more purchases I make at the store?
Answered on Apr 15, 2016
Updated on Apr 15, 2016
The content is accurate at the time of publication and is subject to change.
Rest assured, you haven't missed out on your chance to save. If you weren't sure whether your credit was good enough to be approved for the store credit card, it was a smart decision to wait. Applying for new credit and getting turned down can have a negative impact on your credit score, so unless you're sure you'll be approved, you'll save yourself some time and trouble, and a few points on your credit score, by not applying when you're feeling pressured at the register. You can always apply for a card online, after you've thought it through.
I'm thinking about going for the PenFed Power Cash Rewards Visa Signature® card. From what I've read, people with a good profile get limits starting at $5,000. Thanks!!!
The highest limits often come with elite top-tier cards, typically aimed at applicants with very good to excellent credit. In general, the higher your credit score, the higher the credit limit you can get. Every issuer has its own process, but in...
The Sears Card® issued by Citibank (Citi is a Credit-Land.com advertising partner) is a store card. It can only be used at Sears and Kmart locations and services. This card will suit you if you shop at Sears very often and spend quite a lot...
I mainly travel throughout Central and South America and consider applying for the Avianca miles credit card from Banco Popular. What are the qualification requirements?
The credit card offer you were interested in has expired and is no longer available for U.S. customers. Rewards credit cards are typically geared to consumers with good to excellent credit, which typically means a FICO score of 670 or higher. But...
Do I have to use credit cards like the Synchrony CareCredit card at a specific doctor?
If you need to pay your doctor, you can check out medical credit cards like the Synchrony CareCredit card. Most of these cards can be used for specific medical procedures and for doctor visits at particular medical institutions and providers. That...
Do you need an Interval International membership to apply for the Interval World Mastercard® Credit Card?
You can apply for the card regardless of the membership. By applying for the card, you will be enrolled in the Interval World Mastercard Rewards program, which allows Interval World Mastercard® Credit Cardholders to earn points on the dollars you spend. You can then...
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
