Ok so I need to vent for a minute… Can I just say that I hate when a sales clerk tries to get me to save money by applying for a credit card.
You see, I am a bargain shopper. I want to get everything at the best deal possible. It is very tempting for me when I am about to buy something and I can get an extra __% off. The thing is my husband and I don’t use credit cards. Not for sky miles, special discounts or gift cards. We use our bank debit cards for all purchases so that we can track our spending but in the words of my wise husband "we should never get in the mindset that it pays to spend money."
So picture me at the Red Dot sale at Belk two Saturdays ago. Here I am, in the men’s sections hurriedly browsing through the clearance (hurriedly because I had a two year old in the stroller who does not particularly like the men’s section of Belk). Along comes nice sales lady…
SL: Ma’am, could I interest you in saving an extra __% by applying for a Belk card.
Me: No thanks. (Still looking through some shirts for Steven’s size.)
SL: But you don’t have to be approved in order to receive the discount.
Me: Yes, but I will get approved and my husband would not like it if I came home with a credit card. Do you guys carry size smalls, I can’t find any? Elijah, here’s your book, we won’t be here long.
[The lady tries to help me look for a minute]
SL: Are you sure I can’t help you get a Belk card, you will save a lot.
Me: (I know this was rude, picture it in a sweet tone) No, but you can help me find a size small. Elijah, we are almost done. If you are good, we can get a milkshake!
[The lady looks for a minute and then goes in search of another target. A few minutes later, there she was ready to help me check out. I had four shirts.]
SL: Now you will save an extra $___ if you apply for a credit card.
Me: No thank you. Elijah, if I hold you, you will not get a milkshake…
Can I just say that I was so annoyed. I understand that they must get some kind of commission from credit card applications but really, four times?? And why do I have to feel like the rude one when I am trying to refuse?
I once had a girl at Children’s Place promise me that she would change a number and I wouldn’t be approved but would I please apply. I succumbed to the temptation and saved an extra $4 only to get approved!!! Then I had to go through the hassle of canceling the card.
No wonder why Americans have so much debt.