Ten Worse Credit Cards Stores - ForumDaily
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Ten worst credit card stores

Фото: Depositphotos

Фото: Depositphotos

According to the new report CreditCards.com, interest rates on store credit cards hit record levels. Their average loan rate is 23,84%, which is more than 8% higher than the average interest rate on regular credit cards.

As a rule, the benefits that stores offer along with their credit cards are not impressive. Only half of the credit cards offered by the hundred largest retailers in the United States provide some sort of sign-up bonuses. The bonuses themselves are not too generous either. Total 13 stores offer a $ 25 bonus on a $ 200 purchase.

“It makes more sense to avoid these types of credit cards if consumers are not 100% confident that they will be able to top up their balance each month,” explains a senior analyst CreditCards.com Matt Schultz.

According to the report CreditCards.com, the rating of the least profitable store credit cards with high interest rates on loans is as follows:

1. Toys R Us

Annual interest rate - 26,99%

Despite the 10% discount on Thursdays and the bonus system, the interest rate on loans from this toy store is too high - 26,99%.

2. Apple Store / iTunes

Annual interest rate - from 14,24% to 27,24%.

This store's credit rate can be as low as 14,24%, but only if you have a good credit history. Otherwise, be prepared to give away the entire 27,24%.

3. Lane bryant

Annual interest rate - 27,24%.

В Lane bryant You can accumulate bonuses and buy special certificates for them, but for this advantage you have to pay too high a loan rate.

4. Dick's Sporting Goods

Annual interest rate - 27,24%.

There are no registration bonuses in the store, but you can earn points on purchases and return up to 6% of their value.

5. GameStop

Annual interest rate - 27,24%.

When you first purchase you get a bonus in 5 thousands of points. They can be exchanged for goods valued at $ 5.

6. TJ Maxx

Annual interest rate - 27,24%.

The buyer receives an 10% discount on the first product purchased after registration. Also there are bonuses when buying in TJ. Maxx, Marshalls, HomeGoods and Sierra Trading Post.

7. Williams-Sonoma

Annual interest rate - 27,24%.

Upon registration, the buyer receives bonuses in the amount of $ 20 and 20% discount on the first purchase. Another $ 25 store gives its customer a birthday present.

8. Staples

Annual interest rate - 28,24%.

The store does not offer any registration bonuses, but you can return 5% of the purchase price.

9. Zales

Annual interest rate - 29,24%.

In addition to the high interest rate, the buyer faces another danger - $ 37 penalty for late payments. But the buyer can get a special loan offer for expensive purchases.

10. Big lots

Annual interest rate - 29,99%.

The store does not offer any bonuses to customers, however, on purchases worth more than $ 750, the condition of interest-free loans applies.

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