When I went to a Restoration Hardware store recently, they told me I could sign up for a...
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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.
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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