Comments on: Are In Store Credit Card Offers Becoming More Aggressive?

By: Evi

Evi — Fri, 06 Nov 2009 16:39:42 +0000

i used to work in a department store, and they had us required to push those cards even if we disagreed with it. If we had low card sales, are hours would be cut short, but if we got X amount of people to sign up, we would get rewards on it. One girl got as many as 200 people a month to sign up and that was alot of money added onto her paycheck. I began to wonder if she cheated.. months later I found out that she was signiong peopple up for cards when they already declined the card or said that they would get so much off even if they were not approved. (This was not so.) I reported this to her manager and found out that he did not conduct an investigation either because her sales made him look good. Now I am trying to do a paper for my college course on the pressures credit card companies have on employees. Its surprising that there really is not alot of information on this.

By: Logan

Logan — Sun, 18 Oct 2009 14:49:24 +0000

Just Because some one pushed to you sign up for a credit card is not worth getting them fired its there job its what there suppose to do if not they get fired get mad if you must but dont go getting someone who is working minum wage trying to make a living fired you and your husband dont have to worry about that but people like me and the one your trying to get fired do we dont woek we dont have lights or food or any thing else so remember that when you get mad when someone pressures you its america it not illigal she didnt hurt you lighten up some its only are job.

By: rw

rw — Mon, 28 Sep 2009 14:13:08 +0000

I was at Kohl’s yesterday and the previous Sunday. The previous Sunday there was pressure from the cashier to get a Kohl’s card, but yesterday crossed the line. My husband and I went to Kohl’s yesterday, proceeded to the checkout with our whopping $15 in merchandise and the cashier proceeds with the credit card spill. When asked “would you like to complete a credit application today”, I responded “no thank you”. She proceeded with how you get coupons, advance notice of sales, etc, etc, etc. I said “no thank you”. She then says you could charge on the Kohl’s card and then turn around an pay it right off…again “no thank you”. Second store employee starts in on the coupons, etc. again. I respond with “we have two major credit cards we use and pay off monthly, we do not need nor want anymore credit cards because open accounts effect your credit, which in turn raises interest rates when you apply for certain types of loans…” The cashier proceeds to tell me how that is incorrect because only major credit cards go against your credit, etc, etc, etc, she then says “I’m an accountant and I know what I am talking about”. My response “I’m a CPA and my husband here is an attorney…If you would like I will have our mortgage person or bank officer contact you and discuss with you what they look at on credit reports when people apply for loans”. This morning my husband looked up the Consumer Protection Act and found a paragraph relating to this situation. I called the store manager and told her what happened and supposedly they are going to correct the situation. I will go purchase a pair of socks (since $15 still got the credit card spill, I’m sure a pair of socks will too) or something in the next couple of weeks to see if they have changed their practice. If not, I will go to the next level. No means no and it is none of their business why I don’t want one of their credit cards.

By: Registered Users | YellowZIP - Shop, Connect and Save!

Registered Users | YellowZIP - Shop, Connect and Save! — Tue, 08 Sep 2009 17:11:15 +0000

[...] And why are they always pushing you to open one up? (I almost laughed out loud at the absurdity of BibleMoneyMatter’s experience at Kohl’s [...]

By: jt

jt — Fri, 21 Aug 2009 14:33:53 +0000

i currently work at Kohl’s. managers are down our backs every move we make to get credit. the store i work in is in a small area and thousands of our customers already have the charge card, and use them when they come in. so the pressure is on whenever we have a customer without a charge, we receive .50 cents for every application, occasionally $1. i hate to ask people, especially when they say no and we have to keep asking and asking, we dont like doing it as much as you dont like hearing it. its part of life these days and i can only see it getting worse.

By: Bruce

Bruce — Wed, 19 Aug 2009 11:47:18 +0000

The reason department stores push use of their own cards is to prevent from having to pay the large sums of money each year to the credit card companies like visa and mc.

The dept cards are not bad for individuals who are disciplined in paying them off in full each month. The cards provide their members an opportunity to receive exclusive special discounts throughout the year, which is smart financially.

One idea that will allow you to still get the discount is to sign up for the dept card to get the discount and then use the money you were originally going to use that day to make a payment on your card at the same time (at the register) for the full amount of the purchase. You will still continue to receive future discount offers where you can apply the same logic.

Happy shopping! :0)

By: GreatNexus - One Stop Blog/Forum/Agg Shopping + Some Links

GreatNexus - One Stop Blog/Forum/Agg Shopping + Some Links — Wed, 15 Jul 2009 15:38:37 +0000

[...] from BMM had an amusing story about a shopping trip that involved a whole pile of store credit card pitches. I’m not sure if I’d want to shop at a store like that, although having sold credit [...]

By: k1a2k1

k1a2k1 — Tue, 30 Jun 2009 19:09:19 +0000

Yes, I must agree that these stores annoy me; you can’t even walk through a store to just look around or try to buy something and the clerk insists that you open up a charge card. I was shopping at Motherhood and while I was trying to look the gal started in on the how much of good investment it would be to have one of these master card savings cards. I simply told her I don’t do credit cards, and don’t like gimmicks, and she didn’t like my response at all, I don’t care. She changed her tone and left me alone, but after I was finished shopping and made my purchase, she stuck one of those offers inside my shopping bad. I wish these stores would spend more time with quality customer service and less time with rip-off credit card offers….

By: Erik Vogue

Erik Vogue — Mon, 06 Apr 2009 20:53:31 +0000

I currently work for Sears. And its tough having to offer credit to EVERYONE and having people become upset with you for doing your job…I only ask once, and do not intentionally annoy people or bombard them with questions. When I offer credit I am legitimately trying to save the customer money…for instance when approved for our cards you get either 0% financing for 6 months $10 $15 and $10 dollars off, if you make $35 worth of purchases you get it for free, and theres no monthly fees or obligation to use it…so u can just cut it up when it comes in the mail…no APR or interest rate to worry about…I think its weird that people complain about it, and then brag about paying the cards they do have off every month…if you pay the card off why are you worried about it?? Our cards also come with FREE rewards programs, as well as Account Care Protection, if anything was to happen to you where you could not pay the bill you would not have to, up to 10,000. AND its only $0.96 for every $100 you have on your card…so people who have the card AND pay it off every month get Account Care for FREE!!! Plus certain days card holders get extra discounts throughout the store. I dunno,sounds like a pretty good deal to me. Maybe if people didn’t turn their noses up and look down on people working in customer service, and actually took the time to listen before shunning us, they would find out all of this information. You don’t know how many times Ive offered someone $15 off and they’ll say “no I’m not interested in saving 15%” People don’t even listen. Ok, so the economy is bad, minimum wage customer service employees know this all too well. We get credit for every credit we process (and YES we do feel bad when people get denied, we are not robots) Take this month for example, they are worth $4 each. There are people are my job working full time that get 100 – 200 apps a month, thats 400 – 800 extra dollars in your paycheck to feed your family…some people find that worth pushing for…especially when they don’t get raises. So please don’t be mean to us, a simple “No,thank you” would suffice, no need to yell at us for trying to survive in this world and do our jobs.

By: Mrs. Micah

Mrs. Micah — Mon, 06 Apr 2009 01:24:00 +0000

I always do the math when they offer me one. It's not that I'm going to take them up on it when the money's good enough, it's because the amount I'd save is always laughably small for the hard pull on my credit, the commitment to having a card, the need to cancel the card if I don't want it, etc. $5? $25? $50? Maybe if I saved over $1k, I'd consider signing up. Otherwise there's not enough benefit. Mrs. Micahs last blog post..The “Find a Need and Fill It” Approach to Small Business