Comments on: Store credit cards – which ones are worth having?

By: Katrina

Katrina — Wed, 19 Dec 2012 15:32:30 +0000

Is the Victoria’s Secret credit card worth it?

By: Mike3

Mike3 — Wed, 19 Dec 2012 03:46:26 +0000

Kroger and gas rebates the best gig going. Most other retailers espouse 5% discounts and tracking your past purchases. Mosy savvy consumers can remember their buyong habits, especially at Lowes and Home Depot. If you do ot like a plan you are own switch it, your own fault if not pleased, Use some self regulation in your own world.
Valley Bank also offers a good debit card program should you be able to qualify with their stips.

By: crooked road

crooked road — Tue, 18 Dec 2012 20:21:26 +0000

Furniture is traditionally an item that can be negotiated, like vehicles. The same holds true for appliances in many stores. There is nothing else in Lowes or Home Depot that you can negotiate the price, and there’s virtually no negotiating on appliances.

Having cash doesn’t suddenly allow you to negotiate pricing. Only the items that have historically been negotiated pricing are open to that, and it is not because of waving cash in front of the sales clerk.

Paying in cash is nice, but it eliminates your credit rating. Much preferred is to have zero fee credit cards that are paid in full every month without fail.

By: Bradley

Bradley — Tue, 18 Dec 2012 17:45:46 +0000

I’m not talking about clothing stores etc. However, store such as Lowes, Home Depot, Furniture Stores – the places where you would make high dollar purchases. The key to bartering is to be willing to walk away from the item if they will not work with you. Cash is the best way to go!

By: rich

rich — Tue, 18 Dec 2012 16:58:40 +0000

Best Buy- you can’t beat the 3 years 0% interest deals they have on major purchases.

By: Angela Allen

Angela Allen — Tue, 18 Dec 2012 15:32:24 +0000

Susan is exactly right. These cards can offer a lot IF you pay them off at the end of the month.

By: Angela Allen

Angela Allen — Tue, 18 Dec 2012 15:31:07 +0000

Our Kroger card gets us gas discounts and they periodically offer extra points for buying gift cards there. If you drive a lot like we do, it’s a nice advantage. They also send rebate checks, although those can only be used at Kroger.

By: Steve

Steve — Tue, 18 Dec 2012 15:25:57 +0000

Most appropriate call Amanda.

Certain types of businesses are constantly inundated with the customers “Is that the best price?” “Give me a discount!” How many times have you heard someone in Kroger, or wherever, saying I’ll give you a dollar for this loaf of bread???

By: Amanda Codispoti

Amanda Codispoti — Tue, 18 Dec 2012 15:08:01 +0000

@Bradley: Are you telling us that you can go Target or Kohls and barter with a cashier? Doesn’t seem likely….tell us more.

By: Taylor D

Taylor D — Tue, 18 Dec 2012 13:08:00 +0000

My husband and I have amazon.com Visas and we love them. We put everything on the card and my husband pays off the balance every month. The points system is great – they accrue in your account on the site itself now (they used to send out paper gift certificates in $25 increments). I bought a pair of $150 boots and ended up paying all of $33 for them a few months ago thanks to amazon points!