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 are looking for an easy credit card approval, need to rebuild credit or simply like to shop, here are some of the easiest department store credit cards to apply for.

• WalMart
• Home Depot
• JC Penney
• Target
• Sears
• Lowe’s
• KMart
• Macy’s
• Disney Store
• Kohl’s
• many, many more

As you can see there are plenty of options if you are looking for easy department store credit cards to get.  Most retail stores have a credit card that you can apply for and the great news is they are quite easy to be approved for.

To be approved for easy department store credit cards, you need:

• to be at least 18 years of age
• have a job
• some stores require a utility bill to be presented in your name

If you meet all of these criteria, then you will more than likely be approved.  But there are a few negative things to remember when applying for this type of card however.

Most department store credit cards carry a higher than normal rate of interest.  Some can climb as high as 30%!  This means you will pay quite a bit more for each purchase you make.

Another feature than shouldn’t be ignored is that some department store credit cards do not report to the major credit bureaus.  This means that even if you pay your bills on time each month, it won’t increase your credit score.

However, if you have decent credit and are applying for a department store card, they can offer some great advantages.  Some have cash back features and others have points or rewards that can be used toward extra purchases.

Another great advantage to having a department store card is that you normally become a “member” and are rewarded with special offers and promotions.  You will also be notified in advance of any upcoming sales or special events.

Before you apply for a department store credit card, be sure to read the fine print and be sure you agree with all of the terms and conditions.These cards can be a wonderful way to spend or they could cause you alot of credit trouble.