Ok, I have had this card for about 7-8 months now...only got it because I needed to buy a suit really badly and didn't have enuff cash on me. Charged like $210 when I first got it and paid it off a few days later. The credit limit is pretty low--$200, I tried calling and asking for a CL increase and the woman said they "HAVE" to pull a credit report...my question is, is it worth it? I told her 'nevermind then' and hopefully they won't pull it anyway. I am pretty much figuring it's *NOT* worth it, because for the price of an INQ I can just get another credit card (have only 2 right now and that charge card). Also, she said that she can't lower the APR (like 23% or something insane) because that's their policy. Anyone have any experience with this card? I'll probly keep it because it's close to 1 yr old (so I can get a pos tradeline) but it'd still be nice to get a lower APR and increased CL, without having to sacrifice an INQ.
I'd move on eventually. I had excellent credit before and I've only ever had about a $900 credit limit with them. Granted I never requested an increase, but automatically got them on other cards without asking. I would use them, carry a balance for awhile, pay them off, etc......nothing,nada, zilch, zero. Not worth much. I'd rather have Macys or another dept store.
