William Feela, Realtor, Whispering Pines Realty 651-674-5999 No.  (WHISPERING PINES REALTY)

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Rainmaker
1,319,897
Raymond E. Camp
Howard Hanna Real Estate Services - Ontario, NY
Licensed Real Estate Salesperson Greater Rochester

I have an American Express and a debit credit card and the mattress is getting lumpy again.

Jan 25, 2017 09:14 AM
Rainmaker
3,481,908
Richard Weeks
Dallas, TX
REALTOR®, Broker

No credit cards for me.  Just one debit card.

Jan 25, 2017 08:24 AM
Ambassador
2,468,722
Fred Griffin Tallahassee Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

   Those store accounts are usually backed by one of the big banks (Chase, Deutsch Bank, Citi).  The rates will be loan shark 30%.  No, thank you.

Jan 25, 2017 11:16 AM
Rainmaker
5,388,650
Barbara Todaro
RE/MAX Executive Realty - Retired - Franklin, MA
Previously Affiliated with The Todaro Team

I don't open those type of charge accounts.... I have Am Ex, Visa, MC.... that's all I need....

Jan 25, 2017 10:34 AM
Ambassador
3,302,643
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

I don't use store credit cards. I know for a fact what having a ton of credit cards can do to your credit score...

Jan 25, 2017 09:24 AM
Ambassador
1,706,708
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

We don't like debt and only use three cards which we pay off every month.

Jan 25, 2017 08:43 AM
Ambassador
4,756,318
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams Fox Cities - Stevens Point, WI
Forestland Experts! 715-204-9671

I just say "No Thank you".

 

Jan 25, 2017 04:43 PM
Rainmaker
3,960,121
Dorie Dillard CRS GRI ABR
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

I do use their credit cards..interest rates are horrible. I use Master card..dropped American Express because No one wants them when you are traveling overseas. That's fine with me..we pay it off every month anyway.

Jan 25, 2017 04:38 PM
Rainmaker
465,654
Lynnea Miller
Bend Premier Real Estate - Bend, OR
Premier Real Estate Service in Central Oregon

I haven't done this, William Feela.  I pay my credit cards off monthly, so the question has never even been on my radar. Good to know!

Jan 25, 2017 03:54 PM
Rainmaker
1,591,146
Kat Palmiotti
406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty - Kalispell, MT
The House Kat

Nope, because I always say no. Who needs more charge cards? I don't care what the interest rate is because I have no desire to get another card.

Jan 25, 2017 03:49 PM
Ambassador
3,985,307
Debbie Reynolds
Platinum Properties - Clarksville, TN
Your Dedicated Clarksville TN Real Estate Agent

No, because I am select and don't open many accounts and I never intend to carry a balance and pay the interest. I use credit cards for the rewards and convenience.

Jan 25, 2017 03:27 PM
Ambassador
2,209,980
Debbie Laity
Cedaredge Land Company - Cedaredge, CO
Your Real Estate Resource for Delta County, CO

I don't ask because I'm not interested in getting their card in most cases. I have some credit cards with such great rewards that it pays to use them. 

Jan 25, 2017 03:21 PM
Rainmaker
846,120
Marco Giancola
Beachfront Realty - Miami Beach, FL
Realtor (305)608-1922, Miami Beach Florida

I don't hold any store credit cards.

Jan 25, 2017 02:46 PM
Rainmaker
1,027,155
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

No, I would never take out any kind of revolving charge card because I have always heard they do not help your credit at all.  Don't know if that is true or not, but no store credit cards for me.  I use credit cards because I don't use debit cards any longer due to so much fraud and because I like getting points for all my purchases. Since I pay my balances off monthly, it is a win/win.

Jan 25, 2017 02:05 PM
Rainmaker
775,782
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

It's best to pay them off right away if you have them. Often you can only get discounts in the store if you have one of their cards, so it's good to have them if you don't accumulate the debt at those usurious rates.

Jan 25, 2017 01:47 PM
Ambassador
3,006,196
Anna Banana Kruchten Arizona's Top Banana!
HomeSmart Real Estate BR030809000 - Phoenix, AZ
602-380-4886

Well that's ridiculous - 29.9%.  Not happening on my watch! No bills are my kind of bills.

Jan 25, 2017 01:35 PM
Rainmaker
1,411,327
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

William Feela No and I never ask for their card.

Jan 25, 2017 11:47 AM
Rainer
216,935
Bob Betel
Allstar Home Mortgage, Inc. - Sweetwater, TN
President, Allstar Home Mortgage, Inc

Nope. It doesn't even get that far. I have a Visa, Debt Card and American Express. That's all I ever need.

Jan 25, 2017 11:45 AM
Rainmaker
3,476,034
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

I have enough credit cards so no I always say no.  BUT my wife always wants one!

 

Jan 25, 2017 11:41 AM
Rainmaker
1,618,650
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg Real Estate

Yes & it's pretty hilarious like you mention. I can't see any benefit even if they are giving stuff away free.

Jan 25, 2017 11:39 AM
Rainmaker
1,306,592
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

No.  I pay my cards off in full each month.  APR is not a concern.

Jan 25, 2017 11:16 AM
Rainmaker
4,921,226
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

William,

The department stores have the same rate.  And I don't want another charge card.  A

Jan 25, 2017 10:59 AM
Rainmaker
630,206
Steve Higgins
RE/MAX Kelowna - Kelowna, BC

No I don't as I the major credit cards and don't need any more than them.

Jan 25, 2017 10:39 AM
Rainmaker
1,051,244
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

William, I always ask and rarely find one less than 18%. It can be brutal when you're not paying attention.

Jan 25, 2017 10:14 AM
Ambassador
1,738,394
Alan May
Jameson Sotheby's International Realty - Evanston, IL
There's no place like home.

Nope... I never ask, 'cause I don't open them.

Jan 25, 2017 10:11 AM
Rainmaker
455,315
JoAnn Moore
The Mortgage Market of Delaware - Georgetown, DE
Home Loans in Delaware

I don't use store credit cards. I do use some loyalty cards where you can get some coupons and free things.  

Jan 25, 2017 09:59 AM
Rainmaker
4,798,831
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

No, since I have no interest in their credit cards.

Jan 25, 2017 09:57 AM
Ambassador
932,599
Frank Rubi
Frank Rubi Real Estate, LLC - Metairie, LA
FrankRubiRealEstate.com

Amex only

Jan 25, 2017 09:49 AM
Ambassador
4,252,332
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Nope, not "interested". I limit the number of cards I have and need

Jan 25, 2017 09:37 AM
Rainmaker
58,657
Beth Bromund
Coldwell Banker Weir Manuel - Rochester, MI
REALTOR (248) 651-3500

I don't use store cards.

Jan 25, 2017 09:32 AM
Rainmaker
2,886,061
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

No. I don't care what the rate is ... I do not want the card. A simple ... no thank you generally takes care of it.  There are some that will say ... you will save an additional "x" on this purchase ... to which I say ... No thank you. 

I do not know how people pay those rates.  The only interest I pay is on my mortgage. 

Jan 25, 2017 08:55 AM
Rainmaker
1,916,936
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

My Visa works everywhere

Jan 25, 2017 08:41 AM
Rainmaker
1,482,006
Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Property Manager

As with drugs... I just say "NO" !

Jan 25, 2017 08:37 AM
Rainmaker
4,383,064
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

I don't carry any of these, nor do I carry a balance, so the rate would not be important.

Jan 29, 2017 12:02 PM
Rainmaker
3,494,180
Nina Hollander
Coldwell Banker Realty - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

I don't pay attention, as I don't use those cards or take those offers.

Jan 27, 2017 04:23 AM
Rainmaker
589,629
Tony Lewis
RE/MAX of Valencia (Hall of Fame) 30 year Valencia Resident - Valencia, CA
Summit Real Estate Santa Clarita & OC Laguna Nigel

No, just throw them out.  Walmart sends me a request several time per week.

Jan 26, 2017 05:32 PM
Rainmaker
631,712
Vern Eaton
Askov, MN
Realtor 651-674-7449

I have never asked and never signed up.  I am surprised at the rate.

Jan 26, 2017 01:34 PM
Rainmaker
1,592,130
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West & Lend Smart Mortgage, Llc. - Carlsbad, CA
Presence, Persistence & Perseverance

No. I avoid consumer credit.

Jan 26, 2017 07:05 AM
Rainmaker
881,609
Jennifer Mackay
Counts Real Estate Group, Inc. - Panama City, FL
Your Bay County Florida Realtor 850.774.6582

I do not since I don't open anyway - I have opened a few last year and my husband went bullistic!

Jan 26, 2017 04:42 AM
Ambassador
4,306,997
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

William Feela - I don't. I use only couple of store cards - to be on a safer side.

Jan 25, 2017 10:19 PM
Rainmaker
583,675
Nathan Gesner
American West Realty and Management - Cody, WY
Broker / Property Manager

I don't open cards specific to a store. I have a great card that gives me a good return on ALL purchases and I stick with that.

Jan 25, 2017 09:03 PM
Rainmaker
1,506,571
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

I do and it is very high. So, it is better to pay them off till that high interest kicks in. 

Jan 25, 2017 06:31 PM
Rainmaker
2,706,751
Lisa Von Domek
Lisa Von Domek Team - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

No I never ask William Feela as I never open one of their accounts

Jan 25, 2017 06:24 PM
Rainmaker
1,157,329
FN LN
Toronto, ON

No.

Jan 25, 2017 12:05 PM
Rainmaker
795,096
Kasey & John Boles
Jon Gosche Real Estate, LLC - BoiseMeridianRealEstate.com - Boise, ID
Boise & Meridian, ID Ada/Canyon/Gem/Boise Counties

I dont ask, I just say no thanks. I have never opened a store credit card before.

Jan 25, 2017 08:27 AM
Rainmaker
2,557,820
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

No to credit cards...

Jan 25, 2017 08:22 AM