Getting approved for Sears / how to - Credit Repair Forum from Creditnet
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  1. #1
    mindcrime2 is offline Senior Member
    Join Date
    Nov 2001
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    1,997
    Been thinking about getting or at least trying for a Sears card. I've already checked with millcbs, and from the information on it, where I live, they pull either EX or TU.

    Anyway, I've heard that you have a better chance of getting approved if you apply in-store, and you apply on the premise of making a major purchase, like a refrigerator or washer and dryer.

    Is this true? And if so, anyone know their requirments for approval?
    ~mindcrime~
    A.K.A. MC2
    It's all in your mind, or is it?
    Notice to Collection Agencies: CN is about to kick you back into the dot-matrix age.

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  3. #2
    soup is offline Senior Member
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    Nov 2001
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    640

    Re: Getting approved for Sears / how to

    I applied on line a couple of weeks ago they pulled EQ, score 700...got $450...I think you're right about getting bigger limit in store, I've heard people on the board do that...wish I could be more help...
    07-25-04
    Equifax Fico 658
    Experian 690
    Trans Union 652

    December 2004
    Experian 702
    Equifax ?
    Trans Union ?

  4. #3
    Kinetix is offline Senior Member
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    Nov 2001
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    188

    Re: Getting approved for Sears / how to

    Can anyone confirm this? I'm curious to know if you do get bigger limits applying in store. I applied online with 745 score and only got a puny $400 dollar credit line.
    _____________________________

    Exp 759
    EQ 768
    TU 745 Dissapearing Tradeline comes back every other month.

  5. #4
    ORiOnKileR is offline Junior Member
    Join Date
    May 2002
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    29

    Re: Getting approved for Sears / how to

    I use to be a sales manager for Sears. What I have seen during my 5 yrs there is that 85% of the applications for a large purchase would go through. I think it would be best to apply for a card in-store while making a purchase. If you're buying a large item which offers what Sears calls a "Maintenance Agreement", that also helps with being approved. It's a known fact that if the cost for the "Maintenance Agreement" will put you over your credit limit... they'll up your credit line to fit it in.

    Now there's two different kinds of credit cards that Sears offers. Sears Card and the Sears Plus Card. The Sears card is for regular purchases (usually in smaller dollar amounts. The Sears Plus is for major purchases) Major purchases normally being appliances or electronics purchases over $100. Unless things have changed over the past couple of years since I've left the company, that's the just of it. Hope it gives you some insight...

    - ORiOnKiLeR

  6. #5
    Kinetix is offline Senior Member
    Join Date
    Nov 2001
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    188

    Re: Getting approved for Sears / how to

    Originally posted by ORiOnKileR
    I use to be a sales manager for Sears. What I have seen during my 5 yrs there is that 85% of the applications for a large purchase would go through. I think it would be best to apply for a card in-store while making a purchase. If you're buying a large item which offers what Sears calls a "Maintenance Agreement", that also helps with being approved. It's a known fact that if the cost for the "Maintenance Agreement" will put you over your credit limit... they'll up your credit line to fit it in.

    Now there's two different kinds of credit cards that Sears offers. Sears Card and the Sears Plus Card. The Sears card is for regular purchases (usually in smaller dollar amounts. The Sears Plus is for major purchases) Major purchases normally being appliances or electronics purchases over $100. Unless things have changed over the past couple of years since I've left the company, that's the just of it. Hope it gives you some insight...

    - ORiOnKiLeR
    Makes sense, guess I'll go in-store to get that fridge and see if they would raise my limit, but I gotta say it would be embarrassing to get denied in sears heh.
    _____________________________

    Exp 759
    EQ 768
    TU 745 Dissapearing Tradeline comes back every other month.

  7. #6
    soup is offline Senior Member
    Join Date
    Nov 2001
    Posts
    640

    Re: Getting approved for Sears / how to

    Originally posted by Kinetix


    Makes sense, guess I'll go in-store to get that fridge and see if they would raise my limit, but I gotta say it would be embarrassing to get denied in sears heh.
    That's why I do everything (app) on-line...I even get embarresed w/ over the phone denials...aww the shame....
    07-25-04
    Equifax Fico 658
    Experian 690
    Trans Union 652

    December 2004
    Experian 702
    Equifax ?
    Trans Union ?

  8. #7
    Kinetix is offline Senior Member
    Join Date
    Nov 2001
    Posts
    188

    Re: Getting approved for Sears / how to

    Originally posted by soup


    That's why I do everything (app) on-line...I even get embarresed w/ over the phone denials...aww the shame....
    Heh, I'd rather get denied in the privacy of my own home than in-line in front of the register with all those people waiting behind me :) That's about as bad as getting denied on using your CC at target or something just for purchasing some candy.
    _____________________________

    Exp 759
    EQ 768
    TU 745 Dissapearing Tradeline comes back every other month.

  9. #8
    donna8284 is offline Senior Member
    Join Date
    Sep 2001
    Posts
    407

    Re: Getting approved for Sears / how to

    My friend just got approved online for a regular sears card. They pulled TU and his score was around 660 (one collection from 5-6 years ago) he got $500.
    Donna

  10. #9
    ORiOnKileR is offline Junior Member
    Join Date
    May 2002
    Posts
    29

    Re: Getting approved for Sears / how to

    ahh... come on. No need to be ashamed of being denied! Be like me and be proud of your bad credit!!! (Not really, just trying to lighten things up a bit.)

    Honestly though, not a big deal. I'll tell you that the person selling you the fridge wants that app to go through as much as you do because they want their commission for selling it. Appliances and Electronics departments in Sears are straight commission jobs...

    Try for the Sears Plus card if you're buying a fridge. They're usually better on interest and you get a higher credit limit because it's intended for larger purchases. Hell, I was 18 with a $2800 limit on a Sears plus card. There is no telling what you'll get without trying! Being persistent pays off...

    - ORiOnKiLeR

  11. #10
    Kinetix is offline Senior Member
    Join Date
    Nov 2001
    Posts
    188

    Re: Getting approved for Sears / how to

    Thnx for the tip, I was just being abit sarcastic, just curious as to why they are so stingy with there credit lines. But I'll try for that plus card, do you know if you have to reapply for plus card or can they upgrade you on the spot, don't won't another inquiry from them if all possible, just curious.
    _____________________________

    Exp 759
    EQ 768
    TU 745 Dissapearing Tradeline comes back every other month.

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