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Discussion in 'Credit Talk' started by Janice, Mar 4, 2001.
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Do you shop there? Does the rewards program work for you?
It's really simple - only take cards that give you (hopefully) more than you give them.
Example - I pay off my Macy's card (Pres. Club Visa) just about every month, but by using it a lot, I get free alterations, 3% reward certificates (6% on some days) + 1% back when I use it as a regular Visa. That all added up to about $400 worth of "benefit" (about $180 in alterations, $220 in reward coupons) to me in the last year. I revolved twice, and paid $20 or so in finance charges. I come out ahead, so it's a good deal.
Some retail cards I know of with reward programs-
Nordstrom (1% back on store account, 2% on Visa)
Federated (3% back on store accounts, 1% back on Visa - Bloomies, Macy's, Rich's, Lazarus, The Bon, Goldsmith's, Burdines)
Sears (up to 3% back on store account, ?? for MasterCard)
Field's ($20 back for every $500 you spend)
Carson's ($20 back for every $500 you spend)
Depending on where you live, different retail cards are easier to get than others. Where I live, it's Macy's. I haven't tried after my BK, but it was the first credit card my wife was able to get. She showed her Visa check card (debit card) and an out-of-state learners permit (she's a relatively recent immigrant) and was approved.
At the time, shw was only give a $100 limit, but since than she has received retail cards from Victoria's Secret, Nordstorm and Chadwick's and an LLBean Visa from MBNA. And Macy's raised her limit to $800 at the holidays -- about six months after she orginally got her card.