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

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.

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.

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.

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!

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.

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.

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."

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.

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.