If you do a lot of shopping and you want to build up your credit at the same time, one of the easiest ways to do both at the same time is to apply for easy department store credit cards.

These cards have a lot of advantages for people who need to improve credit, are in the market for their very first credit card or those who simple love to shop and want to earn rewards and incentives for being a loyal customer.  Whichever group you fall into, a department store credit card is a great piece of plastic to have in your wallet.

So how do you choose which of these easy credit cards you need?  Well the best place to start is to make a list of what stores you shop at the most often.  If you are a handy man who loves to have a project, then perhaps a Home Depot credit card would suit you best.  If you are a woman who loves to buy clothes and shoes, then maybe a Macy’s, Sears or J.C. Penney credit card would be your first choice.

After you have made a list of all of the stores you shop at most often, do a little bit of research.  Look into the type of card that each store offers and what the interest rates are.  You may also want to read the terms of the card so you can be sure what kind of agreement you are entering into.

In order to ace the application process for most department store credit cards, you have to be at least 18 years of age, be employed and have decent credit.  Other than that, most stores are quite willing to offer credit to shoppers.

Another advantage to these types of credit cards is the added benefit of belonging to each store’s loyalty program.  In most cases, department store cardholders will be notified ahead of the general public about upcoming sales and special offers.  They may even offer discounts or rewards for using your new card.

Just be careful not to spend if you don’t need to.  These easy to get credit cards can be dangerous if they are abused.  Shop and spend wisely.

If you have ever considered purchasing a gift credit card, chances are you have a few questions. To help you out, we have noted some of the most common FAQ’s that people have when buying these types of cards.

Where can I buy a gift credit card?

These cards are purchased one of three ways. You can buy them in person at one of the millions of locations that carry them including financial institutions, variety stores and department stores. You can also purchase them at several online retailers like Amazon.com. Or you can purchase them directly from card issuers like Visa, Mastercard and American Express through their online store.

How do I use my gift credit card?

These types of cards are used in the same fashion as a regular debit card. You simply use your card to pay for your purchase by swiping it at the cash terminal. Be sure you know your card balance so you don’t get caught short.

Can I use my card anywhere?

You can use your prepaid card anywhere that major credit cards are accepted. This includes in-person retail stores as well as online shopping and virtual malls.

Does my card expire?

Yes. Each gift card has an expiry date. You can continue to use your card until the funds are depleted or you reach the expiry date on your card. If the card expires and you have not used all of the available funds, contact your card issuer about how to access the remaining balance.

Can I return something that I bought with my prepaid card?

Yes. But be prepared to show the retailer the card you made the purchase with. For this reason, it is a good idea to keep cards that have expired. In most cases, the amount refunded will be put back onto your card.


What if I lose my gift credit card?

Not to worry. Most card issuers have a liability policy in place that will prevent you from being responsible for purchases made on a lost or stolen card.

Prepaid cards are a great alternative to a regular credit card. They are easier to be get, handy to have and are a fantastic gift idea for students.