November 3rd, 2011 
admin Question by Chandani: Is it bad to apply for store credit card?
I’m just wondering if it affects your credit to apply for a store credit card even though you know you r going to be denied.
I always apply for kohls credit card every time i shop there to get the 10 dollars off for just applying. But my boyfriend says that it’s going to be ruin my credit
Best answer:
Answer by anonymous
If you keep applying and getting denied then yes it is hurting your credit. Only apply once and if you are denied wait years before reapplying. Store credit cards are exactly like regular credit cards. Every time a company does a credit check it lowers your rating a little, especially if you are applying for credit cards often and causing lots of credit checks.
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I don’t usually sign up for the store cards. If you do too many it could have a negative impact on your credit. What I did was sign up for a Visa Black Card. All kinds of Benefits. Air miles or cash back. One of the best cards I have ever had.
Hope this helps.
Cheers,
H
Too many applications for credit can scare creditors (they can easily find how many times you’ve applied when they access your credit report), especially if your credit is already tarnished. Take it easy! Research and find your best bet and apply.