Where Can I Get a Jewelry Store Credit Card?

Jewelry store credit cards are usually easy to get. Apply online at a store's website or in-person at the store of your choice to see if you qualify.

Incentives

According to Customer Credit Cards, getting a jewelry store credit card is often easier than getting a national credit card. Many jewelry stores offer special discounts for customers making a purchase with a store credit card for the first time.

Credit Limits

Credit limits vary depending on the store and your individual credit rating. You will not know the limit of your credit card until it has been approved.

Building Good Credit

Jewelry store credit cards offer individuals without high credit scores the opportunity to build a good credit history and get a higher credit score. The key is to make all payments on-time and you should not purchase an item that uses up all of your credit on the card.

Interest Rate

The biggest problem with jewelry store credit cards is the interest rate. Most store credit cards have very high interest rates, which can increase the cost of the item you are purchasing by a lot depending on how long you take to pay it off.

Warning

Applying for a credit card has a negative effect on your credit score even if you do not get the card.

Tips

Only apply for credit at a jewelry store that you want to buy from. Try to keep your spending to a minimum and only purchase what you can afford to pay off in a few months time to avoid paying a lot in interest.

References

• Customer Credit Cards: Where Can I Get a Jwelry Credit Card
• Bankrate.com: Store credit cards a good deal? Leslie McFadde

Resources

• Jared: Apply now
• Zales: Credit Card
• Kay Jewelers: Credit Card