Don't you get annoyed those stores hard - sell you their own credit cards?

United States
September 7, 2009 2:08pm CST
Yesterday, I went to Khol's trying to get a pair of jeans and a pair of slippers, when I come to the counter, the cashier keep on telling me how great their store credit card is, and it would save you big bucks for today's shopping, and also future shopping experience too. I just told her "no thanks!". Before she handed the items to me, she still keep on telling me consider all the great benefits. Today, after I had lunch with my parents, I went to Kroger for shopping some groceries. Same deal, the cahsier lady keep on telling me the Kroger card is free to apply, and I can save 20% for today's shopping. I just got so annoyed they keep on telling those benefits of their credit cards. We all knew by the fact, stores would simply give everyone free gift, free rewards, in name of benefits, they all trying to rip you off with no mercy. I just want to tell them shut up and just let me pay for what I shop today, that is all. Don't you hate that?
3 people like this
9 responses
• United States
7 Sep 09
No, they don't bother me, as long as they accept my simple response of "no", if I am not interested. I have never met any cashier who insists on pushing me to accept it. I would rather a store credit card anyway then to a bank credit card, such as Visa, Mastercard, etc. With a store credit card, you often only have a limited amount that you can charge and the interest is not as high.
• United States
8 Sep 09
sometimes, you apply for the store credit card, they will charge you with the protection plan that you didn't even ask for. That is one big rip - off. A piece of advise, even though they said it is beneficial for you, it just a bull. They won't make any benefit without rip you off.
• United States
8 Sep 09
That's never actually happened to me - and if it did, I would certainly call them to credit the Protection coverage they charged me with, or Cancel my account. I've never had back luck with they yet.
• United States
8 Sep 09
That is hassle I really don't want to go through. Why would I have to call them back, and listen to those operator sales technique all over again? They keep on trying to convince you on that.
@UK_Shree (3604)
7 Sep 09
Thankfully I have not had to experience such hard-selling tactics before. I know how you must feel though. I always find it a little awkward when I have to tell an assistant 'no' when they simply ask me if I would like to take out a store-card. There are lots of stores which offer these types of cards and they usually ask if you'd like to sign up when you are at the till, paying for something. I don't like being asked, but I suppose it is their job. I don't like being forced though. Saying no should be enough.
• United States
8 Sep 09
1 "one" won't be clear what you just meant. They would keep on asking and promote their great rate on those cards, and how much percentage you gonna save. I won't listen to their bull. You never get rich by paying something that come with interest, right?
@UK_Shree (3604)
11 Sep 09
Of course not. It's far more sensible to get something only if you know that you can actually afford to have it in the first place.
• United States
7 Sep 09
Yes, I do hate when they keep pushing you to sign up for a store card. I also understand that it's part of the cashier's job to offer you the card so I just politely tell them no even if they ask ten times. Some stores may have a quota of new card sign ups that their employees have to make each month so that may be why they seem pushier than usual and sometimes they have contests to see who can get the most sign ups. I personally feel that with the state of the economy right now that this is definitely the wrong time to be pushing credit but it is a part of a store's lively hood so they're gonna keep doing it.
• United States
8 Sep 09
well, it is a their strategy to rip customer's off instead of offering great deal to customers. We all knew that, and we already learn lesson from it. Carry too much debt won't be a good thing that is for sure. Don't sign up for something that later charge you huge amount of interest or some other fee. I just couldn't risk for it.
• United States
9 Sep 09
No one every said you had to sign up for it so how would you be getting ripped off if you don't sign up. Like I said the cashier is only doing their job so just smile and politely tell them "No thanks"
• United States
8 Sep 09
I really struggle with this. I have worked in retail so I have had to sell products and promotions to my customers, so I realize people are just doing their job and have been told to promote these things (I have a lot more sympathy for people in retail since I did my time there - it is not easy, some people are downright nasty and you get painted as 'stupid store assistant' whether you are good or not because they have either had a bad experience somewhere, or they just believe that stereotype! I worked in a bookstore just after college and I wanted to tattoo I HAVE A DEGREE' across my forehead!!) But anyway - I have a problem with spending anyway, I am in credit card debt, I had run up store cards, it was an addictive problem for me and I am actually in a debtors recovery program. (Paid off ALL the store cards in full, still working on the credit cards!) So I know I CAN'T have a store card. So I wish they wouldn't ask. I don't have trouble saying no, because I know I can't go there, but it still brings up stuff for me to even have to deal with it. Still as I said, not their problem and just doing their job!
• United States
8 Sep 09
I understood they were doing their jobs, and they still have to follow the instruction from their superiors. We as customers must also shop smart too. Not to allure to the trap by these store monsters. We all want to be debt free, aren't we?
• United States
7 Sep 09
It doesn't bother me that much because as long as they stop asking after I first say no, I don't let it bother me. I don't like the people that constantly ask even after you've said no. It seems like they can't take no for an answer. I'm sure they do have to meet a quota each month but I don't see why they have to be so pushy.
• United States
8 Sep 09
I understand those cashiers situation, and they simply do their jobs too. I don't blame them for doing their job. But as for the store, they should modify their strategy or tactics. We just don't want to be the victim of credit card debt.
• United States
22 May 10
Yes, I absolutely find this fact about stores annoying. The worst ones for trying to push you to try to get one of their credit cards have to be Kmart, Kohl's, and Fashion Bug. The last time I was in Fashion Bug, the lady there tried two or three times to try to convince me that I needed a charge card from their store. I told her I wasn't interested in applying for the card, but she was none too happy about it. Yep, it is certainly irritating because the stores are so pushy when it comes to this.
@Hatley (163918)
• Garden Grove, California
8 Sep 09
hi clorissa123 oh yes and with good reason. I went along with those and got a Sears card, a Jc penny card and a mervyns card.oh my and did I use the darned things. was only paying the minimum when all of a sudden my part time job got its hours reduced so even with my social security check my part time job check was so small and now i was in real debt. I owed three thousand to "Sears, and 500 to Jcpennys and 400 to Mervyns and has just had my paycheck reduced. I did get on a credit counseling thing and we managed to get Pennys an Mervyns to cut their payments downso I could begin paying them off but Sears refusedd to help me at all. so Idid get Meryns and Pennys paid off but to this day I still owe four thousand and now its outdated so thats writtenoff. I just never had any large hunk of money. I foolishly got in over my head. so I will never ever get another credit c ard from anyone. too easy to get in debt and much too hard to get out.The interest thats the word i wanted just now is just too high on all of these. sears refused to cut their interest at all.
@sid556 (31018)
• United States
8 Sep 09
Yes I do. I had target do that to me. I had cash to pay for my things and thought I was just applying for the card. I had no intent on using it. Well, when you do that you are also paying for you purchases with the card. The worst thing is they target in on the 18 & 19 yr olds that are so naive to just how much they are going to end up paying for that pair of jeans that they must have. They struggle enough when they first set out on their own and don't need to be bogged down in debt. They are without a doubt, a rip off.
• United States
8 Sep 09
I've only had a credit card pushed on me a couple of times, and when I said "no" that was it. I know that the cashiers don't have any choice about making the offer, and the ones that keep pushing even when you say "no" probably have to fill a quota. I feel sorry for what cashiers have to put up with, but I'm not shy about interrupting. If someone kept on about signing up for a credit card, I'd probably come back with something like "If you don't drop the sale pitch right now, I'll drop these items and leave without them. Your choice." One way or another, you have to make it clear that "no" means "no."