• Report: #181926

Complaint Review: Sears Credit

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  • Submitted: Sat, March 18, 2006
  • Updated: Mon, March 20, 2006

  • Reported By:Forest Hill Maryland
Sears Credit
Sears Department Store, Hunt Valley Mall Sparks, Maryland U.S.A.

Sears Credit department descriminates against women. Denied credit unless husband's name was added to application, ripoff. Sparks Maryland

*Author of original report: Correction: Citicard uses Sears employees to manipulate their customers

*Author of original report: Correction: Citicard uses Sears employees to manipulate their customers

*Author of original report: Correction: Citicard uses Sears employees to manipulate their customers

*Author of original report: Correction: Citicard uses Sears employees to manipulate their customers

*Consumer Comment: Descriminates Against Women?

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I went to the Sears Store in Hunt Valley, MD where I planned to purchase a rug for my home. The sales representative there talked me into applying for a Sears credit card, assuring me that I would definitely be approved for the card. She wrote up the sales slip, and told me that it would take about 1 hour to check my credit history and she would call me when the card was approved, and the order for the rug would be placed.

I lived about 1 hour away, and shortly after arriving home, someone called from the credit department stating that my credit limit would be about $300.00 less than the purchase I intended to make. I asked for the credit limit to be increased, and she asked me "what are you planning to purchase that you need to have your credit limit increased?"

When I informed her of the nature of the purchase, she stated that could only be approved for the higher amount if my husband's name was also on the card. After some disagreement, I told her to tear the application up, and stated that I would not under any circumstances be interested in securing a credit card even if they gave me the rug free of charge. I promptly drove back to the store, wrote out a personal check for the purchase and did my best to forget about the bad experience.

To add insult to injury, a month later my husband (whose salary is less than mine) received an application for a Sears credit card with a credit limit which was double the amount that Sears would allow me to have.

Sue
Forest Hill, Maryland
U.S.A.

This report was posted on Ripoff Report on 03/18/2006 11:42 AM and is a permanent record located here: http://www.ripoffreport.com/r/Sears-Credit/Sparks-Maryland-21152/Sears-Credit-department-descriminates-against-women-Denied-credit-unless-husbands-name-181926. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Correction: Citicard uses Sears employees to manipulate their customers

AUTHOR: Susan - (U.S.A.)

You do have a valid point about the credit score. I was a victim of credit card theft about a year prior to this incident, not helping my credit score at all. Same applies to the statement about my exhusband's name being used for the purposes of establishing an account with Sears, it would have helped.

But I have every right to be upset with Sears for their insensitivity in this situation. I had every penny of the money in my checking account that day to buy the item I wanted. Instead of writing a check, some Sears employee rambled on about how easy life would be with a Sears account. And she could guarantee that I would have the card within 1 hour without any problems, so I put my checkbook away.

Had the citicard employee on the phone given me an honest explanation about my credit score, such as in the rebuttal, I would have been forced to accept that as it was.

But no, even after I explained to the employee that the credit account was useless to me because the credit limit was too low to make my purchase she stated that she could not extend the credit limit another $300.00.

It was my option as a consumer to purchase an item independently of my husband's finacial backing or the use of his good credit. I felt that the credit company representative's insistence that my husband's name be added to the account was a cheap shot.

And shame on Sears for allowing Citicard's tactless employees to enrage a customer to the point that they seek out an internet complaint colunm so that everyone in the U. S. will be able to see the company for what they really are.

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#2 Author of original report

Correction: Citicard uses Sears employees to manipulate their customers

AUTHOR: Susan - (U.S.A.)

You do have a valid point about the credit score. I was a victim of credit card theft about a year prior to this incident, not helping my credit score at all. Same applies to the statement about my exhusband's name being used for the purposes of establishing an account with Sears, it would have helped.

But I have every right to be upset with Sears for their insensitivity in this situation. I had every penny of the money in my checking account that day to buy the item I wanted. Instead of writing a check, some Sears employee rambled on about how easy life would be with a Sears account. And she could guarantee that I would have the card within 1 hour without any problems, so I put my checkbook away.

Had the citicard employee on the phone given me an honest explanation about my credit score, such as in the rebuttal, I would have been forced to accept that as it was.

But no, even after I explained to the employee that the credit account was useless to me because the credit limit was too low to make my purchase she stated that she could not extend the credit limit another $300.00.

It was my option as a consumer to purchase an item independently of my husband's finacial backing or the use of his good credit. I felt that the credit company representative's insistence that my husband's name be added to the account was a cheap shot.

And shame on Sears for allowing Citicard's tactless employees to enrage a customer to the point that they seek out an internet complaint colunm so that everyone in the U. S. will be able to see the company for what they really are.

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#3 Author of original report

Correction: Citicard uses Sears employees to manipulate their customers

AUTHOR: Susan - (U.S.A.)

You do have a valid point about the credit score. I was a victim of credit card theft about a year prior to this incident, not helping my credit score at all. Same applies to the statement about my exhusband's name being used for the purposes of establishing an account with Sears, it would have helped.

But I have every right to be upset with Sears for their insensitivity in this situation. I had every penny of the money in my checking account that day to buy the item I wanted. Instead of writing a check, some Sears employee rambled on about how easy life would be with a Sears account. And she could guarantee that I would have the card within 1 hour without any problems, so I put my checkbook away.

Had the citicard employee on the phone given me an honest explanation about my credit score, such as in the rebuttal, I would have been forced to accept that as it was.

But no, even after I explained to the employee that the credit account was useless to me because the credit limit was too low to make my purchase she stated that she could not extend the credit limit another $300.00.

It was my option as a consumer to purchase an item independently of my husband's finacial backing or the use of his good credit. I felt that the credit company representative's insistence that my husband's name be added to the account was a cheap shot.

And shame on Sears for allowing Citicard's tactless employees to enrage a customer to the point that they seek out an internet complaint colunm so that everyone in the U. S. will be able to see the company for what they really are.

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#4 Author of original report

Correction: Citicard uses Sears employees to manipulate their customers

AUTHOR: Susan - (U.S.A.)

You do have a valid point about the credit score. I was a victim of credit card theft about a year prior to this incident, not helping my credit score at all. Same applies to the statement about my exhusband's name being used for the purposes of establishing an account with Sears, it would have helped.

But I have every right to be upset with Sears for their insensitivity in this situation. I had every penny of the money in my checking account that day to buy the item I wanted. Instead of writing a check, some Sears employee rambled on about how easy life would be with a Sears account. And she could guarantee that I would have the card within 1 hour without any problems, so I put my checkbook away.

Had the citicard employee on the phone given me an honest explanation about my credit score, such as in the rebuttal, I would have been forced to accept that as it was.

But no, even after I explained to the employee that the credit account was useless to me because the credit limit was too low to make my purchase she stated that she could not extend the credit limit another $300.00.

It was my option as a consumer to purchase an item independently of my husband's finacial backing or the use of his good credit. I felt that the credit company representative's insistence that my husband's name be added to the account was a cheap shot.

And shame on Sears for allowing Citicard's tactless employees to enrage a customer to the point that they seek out an internet complaint colunm so that everyone in the U. S. will be able to see the company for what they really are.

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#5 Consumer Comment

Descriminates Against Women?

AUTHOR: Brandon - (U.S.A.)

Sounds like you're just upset because your husband has a better credit score than you do. Your credit score is what determines your credit limit not your gender. You weren't denied credit at all...You were approved for a certain limit; you were denied when you asked for a higher limit. If your husband has a better credit score than you, it would have helped you get a higher limit. It has nothing to do with being male or female. Anyways, it's not Sears you should be upset with, it's Citicard...Sears retail establishments have nothing to do with the credit department.
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