Question
Sears store card or Sears mastercard?
Which one is easier to get approved? I tried for the sears store card and got denied due to an account i got closed like 6 years ago. The guy at the store said the sears mastercard is easier to get approved for because it's dealing with two banks instead of just one like the sears store card. Is he right? So if I tried to get a Sears Mastercard is it more likely that i get approved then just get the regular Sears Store card ? All answers are appreciated (: I've have a credit card that says "due to my good payment history, you are eligible for a second card" and i keep getting offers from them in the mail... there apr is low. should i just get this instead card instead of a sears mastercard?
1 month ago - 3 answers
Best Answer
Chosen by Asker
It's probably easier to get the Sears Mastercard ... but ... only because they go to a higher risk lending bank that WILL charge you a substantially larger amount of interest and fees to use the card. I worked at Sears for a while and we were always asked to push credit cards with every transaction... HUGE profit in asking someone to get more credit! You'd be MUCH better off not getting the Sears card OR the Sears Mastercard and if you must have a credit card, get one from a third party bank that offers you the best terms you're eligible for (i.e. secured card, low interest, etc.) Check out Bankrate.com for a variety of card options.
Source(s)
www.bankrate.com
by G-man
1 month ago
Asker's Rating: 
Other Answers
I really wouldn't get a sears anything if you want a credit card I would go for a major credit card company. If you like the company you have the other card with you could go with them.
by Baby boy due March 7, 2010- 1 month ago
How about neither and pay cash?
by Brian- 1 month ago