I went to the Sears Store in Hunt Valley, MD where I planned to purchase a rug for my home. The sales representative there talked me into applying for a Sears credit card, assuring me that I would definitely be approved for the card. She wrote up the sales slip, and told me that it would take about 1 hour to check my credit history and she would call me when the card was approved, and the order for the rug would be placed.
I lived about 1 hour away, and shortly after arriving home, someone called from the credit department stating that my credit limit would be about $300.00 less than the purchase I intended to make. I asked for the credit limit to be increased, and she asked me "what are you planning to purchase that you need to have your credit limit increased?"
When I informed her of the nature of the purchase, she stated that could only be approved for the higher amount if my husband's name was also on the card. After some disagreement, I told her to tear the application up, and stated that I would not under any circumstances be interested in securing a credit card even if they gave me the rug free of charge. I promptly drove back to the store, wrote out a personal check for the purchase and did my best to forget about the bad experience.
To add insult to injury, a month later my husband (whose salary is less than mine) received an application for a Sears credit card with a credit limit which was double the amount that Sears would allow me to have.
0 comments