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