rcook@uiucuxc.CSO.UIUC.EDU (02/09/86)
Sear's turned me down for a REGULAR sear's charge card because of something
that happened aLONG time ago and put on my local C.B. file.
I guess they didn't consider my credit rating at several major U.S. banks and
several local department stores (all of which were on the application).
Should I bitch about this or should I just blow Sear's off forever as a
source of products or both??????
Rob Cook
UUCP: {ihnp4,pur-ee}!uiucdcs!uiucuxc!rcook
'Life is just a cocktail party on the street'
-Mick Jagger- hamilton@uiucuxc.CSO.UIUC.EDU (02/10/86)
re: sears credit policy
just to show the other extreme: sears was my first credit card; i got
it at age 18, as a college student with zero credit record. my memory
is a little fuzzy about it (this was ~1970), but i think i used the
credit right away for a $400 purchase (even before i got the plastic).
wayne hamilton
U of Il and US Army Corps of Engineers CERL
UUCP: {ihnp4,pur-ee,convex}!uiucdcs!uiucuxc!hamilton
ARPA: hamilton%uiucuxc@a.cs.uiuc.edu USMail: Box 476, Urbana, IL 61801
CSNET: hamilton%uiucuxc@uiuc.csnet Phone: (217)333-8703ark@alice.UucP (Andrew Koenig) (02/10/86)
> Sear's turned me down for a REGULAR sear's charge card because of something > that happened aLONG time ago and put on my local C.B. file. > I guess they didn't consider my credit rating at several major U.S. banks and > several local department stores (all of which were on the application). > > Should I bitch about this or should I just blow Sear's off forever as a > source of products or both?????? It kind of depends on the nature of the thing that happened. If, for example, you were convicted of credit card fraud, don't expect me ever to grant you credit again. If, on the other hand, you bounced a few checks and have maintained a good credit record since then, no sweat. What was it that happened? How do you know the reason you were turned down? When was this? Did you do anything about it at the time? Tell us these things and then maybe we'll be able to help.
c55-hp@buddy.BERKELEY.EDU (Ilya Goldberg) (02/11/86)
In article <34200017@uiucuxc> hamilton@uiucuxc.CSO.UIUC.EDU writes: > >re: sears credit policy > >just to show the other extreme: sears was my first credit card; i got >it at age 18, as a college student with zero credit record. my memory >is a little fuzzy about it (this was ~1970), but i think i used the >credit right away for a $400 purchase (even before i got the plastic). This is one of the ways you can get a Sears charge without having much of a credit record. Currently, they will give you one of theirs instantly if you show them a major credit card. But, if you don't have one of those and really want to have a Sears card, go into one of their stores, go to a salesperson and tell him/you would like to buy a tv/stereo and that you want to open a charge account right away to finance the purchase. This will instantly raise your chances of getting the card. And even though you can bring your purchase back (even to another Sears), your card will stay. Ilya Goldberg ...!ucbvax!ilya
mcewan@uiucdcs.CS.UIUC.EDU (02/12/86)
> I can't believe you read them right. (no offense) I heard that "popularity" > is a factor in these cases. In other words, the mere fact that you are so > much in the public eye makes you fair game, true or not true. That's how > the Enquirer and such can get away with the stuff they print. (citing Carol > Burnette case). A poor example, considering the Enquirer LOST that case. Scott McEwan {ihnp4,pur-ee}!uiucdcs!mcewan "Hideously disfigured by Indian curse? We can help! Call (511) 338-0959 for an appointment."
ron@brl-smoke.ARPA (Ron Natalie <ron>) (02/12/86)
> > Sear's turned me down for a REGULAR sear's charge card because of something > that happened aLONG time ago and put on my local C.B. file. > I guess they didn't consider my credit rating at several major U.S. banks and > several local department stores (all of which were on the application). > > Should I bitch about this or should I just blow Sear's off forever as a > source of products or both?????? > I'd complain. Even if you don't ever intend to shop at Sears, it's probably something you should clear up. Frankly, I've had rather good luck with going back and checking/explaining/badgering credit people who refused me credit (this was mostly after a crosscountry move and my name kept popping up as not having any credit history). -Ron
larry@kitty.UUCP (Larry Lippman) (02/14/86)
> just to show the other extreme: sears was my first credit card; i got > it at age 18, as a college student with zero credit record. my memory > is a little fuzzy about it (this was ~1970), but i think i used the > credit right away for a $400 purchase (even before i got the plastic). Hell, them was the good 'ole days when graduating college students got UNSOLICITED credit cards in the mail, because credit card issuers felt that college students were a good risk. Federal legislation later outlawed the practice of issuing unsolicited credit cards. Many credit card issuers also discovered that their assumption about college students being a good risk was wrong... ==> Larry Lippman @ Recognition Research Corp., Clarence, New York <== ==> UUCP {decvax|dual|rocksanne|rocksvax|watmath}!sunybcs!kitty!larry <== ==> VOICE 716/741-9185 {rice|shell}!baylor!/ <== ==> FAX 716/741-9635 {G1, G2, G3 modes} duke!ethos!/ <== ==> seismo!/ <== ==> "Have you hugged your cat today?" ihnp4!/ <==
bde@ihlpl.UUCP (Ewbank) (02/17/86)
> > just to show the other extreme: sears was my first credit card; i got > > it at age 18, as a college student with zero credit record. my memory > > is a little fuzzy about it (this was ~1970), but i think i used the > > credit right away for a $400 purchase (even before i got the plastic). > > Hell, them was the good 'ole days when graduating college students > got UNSOLICITED credit cards in the mail, because credit card issuers felt > that college students were a good risk. Federal legislation later outlawed > the practice of issuing unsolicited credit cards. Many credit card issuers > also discovered that their assumption about college students being a good risk > was wrong... They may not have unsolicited credit cards any more, but my first card was also sears (18, unemployed, college student) and I've used it ever since (only 7 years... I'm still a youngster ;-). Never had a problem with them. I like Crafts<person> tools. Not a political statement, just an opinion. JCPenney didn't "like" me until I was 22. -- "them's mah own parsunal i-dees, not mah employah's" -- Bryan Ewbank, 312/979-4296, !ihnp4!ihlpl!bde, ih 6M-523 / AT&T Bell Labs / Naperville, IL 60566
kathy@gsg.UUCP (Kathryn Smith) (02/19/86)
I've noticed that Sears has strange credit procedures too. When I graduated from college and started my 1st job I applied at the same time for an American Express card, a Visa card, and a Sears card. I got all three, but what kills me is the timing of when I got them. It took American Express about a month and a half to approve my application, Visa about two months, and Sears six months. It kind of makes you wonder doesn't it? On the same theme, I discovered recently, much to my disgust, that the local Ames dept. store wants to know more about my finances to give a check- cashing courtesy card than American Express or the bank I have my Visa through wanted to know before issuing me a credit card. Kathryn Smith ( ...decvax!gsg!kathy) General Systems Group, Inc. Salem, NH
marcus@wanginst.UUCP (Bob Marcus) (02/20/86)
In article <161@gsg.UUCP> kathy@gsg.UUCP (Kathryn Smith) writes: > > I've noticed that Sears has strange credit procedures too. When I >graduated from college and started my 1st job I applied at the same time for >an American Express card, a Visa card, and a Sears card. I got all three, but >what kills me is the timing of when I got them. It took American Express about >a month and a half to approve my application, Visa about two months, and Sears >six months. It kind of makes you wonder doesn't it? HOW TO GET A SEARS CREDIT CARD QUICKLY: Make a purchase, and say you want to apply for a card and put the purchase on it. They hold the goods until the application is approved (or denied), which takes a week or so. I think they are legally required to process the application immediately if it is to cover a purchase. Cost doesn't matter; we did it with a $10 item. -- Bob Marcus marcus@wanginst (Csnet) Wang Institute of Graduate Studies wanginst!marcus (UUCP) Tyng Road, Tyngsboro, MA 01879 (617) 649-9731
ark@alice.UucP (Andrew Koenig) (02/21/86)
> > I've noticed that Sears has strange credit procedures too. When I >graduated from college and started my 1st job I applied at the same time for >an American Express card, a Visa card, and a Sears card. I got all three, but >what kills me is the timing of when I got them. It took American Express about >a month and a half to approve my application, Visa about two months, and Sears >six months. It kind of makes you wonder doesn't it? Sears is not a centralized operation -- they have various offices scattered around the country. Each one is different.
john@moncol.UUCP (John Ruschmeyer) (02/24/86)
In article <161@gsg.UUCP> kathy@gsg.UUCP (Kathryn Smith) writes: > > I've noticed that Sears has strange credit procedures too. When I >graduated from college and started my 1st job I applied at the same time for >an American Express card, a Visa card, and a Sears card. I got all three, but >what kills me is the timing of when I got them. It took American Express about >a month and a half to approve my application, Visa about two months, and Sears >six months. It kind of makes you wonder doesn't it? Not really, look at the volume involved. Sears is pushing those applications like crazy. (They actually have in-store contests for which employee can get the most signed applications.) I imagine the backlog must be attrocious. For what it's worth, Sears actually *lost* my first application. Their advice- wait a few more weeks and fill out another application. (Well, at least I got two pen sets out of it. :-) -- Name: John Ruschmeyer US Mail: Monmouth College, W. Long Branch, NJ 07764 Phone: (201) 571-3451 UUCP: ...!vax135!petsd!moncol!john ...!princeton!moncol!john ...!pesnta!moncol!john Give an ape control of its environment and it will fill the world with bananas.