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How do I apply for a sears credit card now?

Is it worth getting a Sears credit card for the discount?

  • My husband and I are moving into a new home and in the process of updating all of the old/broken appliances currently in the place with new appliances from Sears. As you may know, Sears offers a 0% interest rate for 12 months and depending on what kind of promotions they're running, an additional 5%-10% off of certain appliances when you use the Sears card. Our main issue is whether we should take the bait for the sake of the discounts/0% interest even though I personally don't like the idea of opening a credit card solely for the discount. Just to clarify, we do have the option of putting this on our existing cards or even paying it immediately in cash. We keep our cards either at low balance and paid off, all of them have a high limit, around $8000-10000, but the interest rates are there and a bit high...given that we'll be making a purchase between $3000-4000, I don't really want to pay that extra $. And while we do have cash on hand, since we JUST bought a house, our savings have gone down significantly in the process and if I can measure out our payments over the course of a year, that'd allow us some time to build our savings back up without feeling we're too pinched in the bank. I'm just not sure in this instance of the pros (the 0% rate and discounts which would make this large purchase much easier in a time where we've made many significant purchases in the course of a couple months) outweigh the cons (opening a new credit card account when we've had a lot of credit inquiries due to the home buying/loan process, and it being a card we wouldn't necessarily need or use beyond this purchase).

  • Answer:

    Go to Lowes - they have the lowest prices. I am sure they offer credit. Don't just buy something because it has a discount. You will save much more anywhere else. Plus, do you want Kenmore plastered all over your kitchen? Use your card and pay in full - if you ever get in a bind - you can fall back on your cards. Don't buy Kenmore - I can't stand walking in a house and seeing Sears. /

fadedblu... at Yahoo! Answers Visit the source

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On the other hand, do you really want to be 'namebrand' snob based on somebody else's prejudice. First, Sears sells other brands than Kenmore. Next, Kenmore is made for Sears by a 'namebrand' company, so the quality is the same. Finally, I've had Kenmore appliances for decades with no trouble at all. So, here's the thing - how much do you save? I don't know for sure that Sears will even do a credit check, though they might. However, it is obvious that people will get hits on their credit record when they buy a new home, so I can't see that it will be big of an issue. You can simply cut it up once you've paid off the appliances. That's what my husband and I did; Sears keeps a record of the card and if we want/need to use it for some type of promo, we just tell them our name & phone number, they look it up and charge it - and we pay it off at the end of the month.

Yahzmin: love 4ever

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