Is one better than the other? Any info please.
2006-08-04 13:11:30 · 8 answers · asked by alecnaaron 3 in Business & Finance ➔ Credit
Retailer and gas credit cards are usually easier to get. They are good if your bank won't issue you a Visa/MC since you are building credit. But they carry higher interest rates (your borrowed money costs more), they carry lower limits and aren't as flexible.
I would maybe try to get a Visa/MC through one of the big banks (Citi, Bank of America, Chase) that carry a rewards program. The rates are lower and you can be far more flexible.
Anyways, to answer your original question.
Sears (K-Mart) Card:
25% APR (Variable - Your APR rate goes up with the prime rate)
No Annual Fee
Target Card:
24.24% Variable
10% Off Days Periodically
They do have a VISA (can be used anywhere that accepts VISA)
Same 10% off periodically
APR 13.24%, 16.24%, 19.24%, or 22.24% Based on credit qualification (Variable)
Wal-Mart Card
They have both a Discover Wal-Mart card and normal Wal-Mart Card. The Discover Wal-Mart card allows you to use it anywhere Discover is accepted and you get up to 1% cash back.
APR Wal-Mart Card & Discover
Either 12.12% 18.12% or 21.12%
Conclusion:
In the end Wal-Mart is the cheapest APR wise if you want to carry a balance.
I would try the VISA or Discover card for flexibility but it's your choice in the end.
I hope I wasn't too confusing :)
2006-08-04 17:46:43 · answer #1 · answered by Jesse 4 · 0⤊ 0⤋
The Walmart MasterCard is issued by Synchrony Bank pursuant to a license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. People who know a thing or two about Wal-Mart know that they have been around outlasting so many other major stores of its same kind for many years now. In fact, when it first made its splash into the marketplace, it immediately started setting so many of its competitors on their way out of the merchandising business. With each passing year it seems that Wal-Mart gets stronger and stronger.
2014-10-28 03:19:19 · answer #2 · answered by Roshani 3 · 11⤊ 0⤋
Between the Target and WalMart cards - WalMart is probably the best.
Target starts out with low limits, stingy giving credit line increases and many times it's like pulling teeth getting them to report to the credit bureaus.
Walmart sometimes starts low, sometimes starts high. They give increases pretty much on a regular basis - every 4 months. They report regularly to the credit bureaus.
K-Mart - I don't know
2006-08-04 23:07:00 · answer #3 · answered by echo 7 · 0⤊ 0⤋
Target. They gave me $500 card when wal mart denied me.
2006-08-07 01:50:08 · answer #4 · answered by Johnsmatrix 3 · 0⤊ 0⤋
No, I don't!
But, I assume the Wal-mart credit card would be much better!
2006-08-04 20:52:21 · answer #5 · answered by loudy_foudy 4 · 0⤊ 0⤋
Target visa card,
1) good rewards you get point towards a 10% day of shopping
2) they give 1% of what you spend to your school of choice:there money"
3)good credit limit i have a 11k limit.
I use this call lots, I have received many 10%off a day of shopping, it helps "Christmas time", from the time i had this card it gave 145 dollars to my school of choice. they tell you all of this on your statement. Know the only con they do have a higher APR then most, but i you pay off balances off you are fine!
2006-08-05 00:07:49 · answer #6 · answered by sarah a 2 · 0⤊ 0⤋
i had a Target card, i know the kmart card is a sears card (same company) and i dont know about walmart! i think all three have high interest rates! try to find a card with a low interest rate and one that u can use anywhere.
2006-08-04 22:39:50 · answer #7 · answered by KISH KISH 2 · 0⤊ 0⤋
I dont have that cards but they all same, because they dont realy give you cards, they use other banks just put their name on the plastic and make commission over your spendings,
2006-08-04 22:41:01 · answer #8 · answered by Koray 2 · 0⤊ 0⤋