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Household items on credit

Household items on credit

Old Dec 30th 2013, 2:43 am
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Default Household items on credit

Hi, does anyone know a place where I can get some household items on credit like TV's, furniture etc.? I have been told that some car maintenance places can give you a credit card of $250 may be so was thinking there might be an appliances center as well?

Thanks
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Old Dec 30th 2013, 3:00 am
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Default Re: Household items on credit

Just about every major retailer in the US has their own credit "store" card. Whether you're eligible for one as a new immigrant is a whole different question!
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Old Dec 30th 2013, 10:57 am
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Default Re: Household items on credit

If you like shockingly high prices for sometimes second hand items, there's always Aaron's!

Pulaski is correct though, don't bank on getting any credit other than a secured card - because you won't, not for the first 6 months or so. I've been here for 4 months and my credit score is at 640 - that might get some 'sub-prime' APR cards, but the issue is the length of my credit report (3 months) and the fact that that is seen as high risk.

Last edited by civilservant; Dec 30th 2013 at 10:59 am.
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Old Dec 30th 2013, 2:29 pm
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Default Re: Household items on credit

Originally Posted by e3geek View Post
Hi, does anyone know a place where I can get some household items on credit like TV's, furniture etc.?
Yes, there are places like that. But do YOU qualify for credit? It seems you've recently arrived in the USA, so probably don't have any US credit history. You can certainly go to those places and ask; be prepared to be turned down.

I have been told that some car maintenance places can give you a credit card of $250 may be so was thinking there might be an appliances center as well?
Maybe. But probably not unless you already have some US credit history.

Rene
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Old Dec 30th 2013, 5:13 pm
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Default Re: Household items on credit

I was turned down for a Sears card after several years of being a PR. And an LL Bean card Tough times. I have a credit history now, though, finally.
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Old Dec 30th 2013, 5:29 pm
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Default Re: Household items on credit

Originally Posted by e3geek View Post
Hi, does anyone know a place where I can get some household items on credit like TV's, furniture etc.?
http://www.aarons.com/

They claim everyone is pre approved up to $2500. What their prices are like I have no idea.
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Old Dec 30th 2013, 6:17 pm
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Default Re: Household items on credit

Originally Posted by e3geek View Post
Hi, does anyone know a place where I can get some household items on credit like TV's, furniture etc.? I have been told that some car maintenance places can give you a credit card of $250 may be so was thinking there might be an appliances center as well?
Don't go down the route of buying stuff from places like Aarons, no matter how poor you are. They - and others like them - serve only to prey on the financially disadvantaged and exploit them.

Do you have savings that you could use to buy the household items instead of turning to credit via a store?

If I was in your situation (no credit cards yet, not that you've mentioned anyway), I would apply to my current checking account institution for a credit card (it might be a secured card as others note) from which you can then put the items on. This allows you a) to not get ripped off b) to start building up your credit history.
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Old Dec 30th 2013, 6:47 pm
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Default Re: Household items on credit

Originally Posted by lansbury View Post
http://www.aarons.com/

They claim everyone is pre approved up to $2500. What their prices are like I have no idea.
You make contracted payments for typically two to three years, but ten months payments are roughly the cash price at a regular store!

Last edited by Pulaski; Dec 30th 2013 at 7:54 pm.
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Old Dec 30th 2013, 7:07 pm
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Default Re: Household items on credit

Originally Posted by Pulaski View Post
You make contracted payments for typically three years, but ten months payments are roughly the cash price at a regular store!
As I would expect, anyone who offers credit for all has built in for the defaulters either in the price or interest rate.
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Old Dec 30th 2013, 7:10 pm
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Default Re: Household items on credit

Some stores will sell to you "12 months same as cash" and many don't perform a credit check.

Try Badcock & More or other chain furniture stores. Their prices may be a little higher than you could get elsewhere, but it's not the extortional markups you get in places like Aaron's!
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Old Dec 30th 2013, 10:39 pm
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Default Re: Household items on credit

Checking account + Craigslist. Not glamourous, but you don't have many options at this point.
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Old Dec 31st 2013, 3:05 am
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Default Re: Household items on credit

Why not just buy the essentials pre-owned? As another poster said Craigslist is good for this.
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Old Dec 31st 2013, 12:04 pm
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Default Re: Household items on credit

Can you scope out different thrift stores in areas close by you? Besides Craigslist that is your best bet.. for under $500 you can have a workable set up.
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