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Sephora credit card updates

You guys have been warned. Lol. Please use responsibly if you get one.

Re: Sephora credit card updates

Where exactly on the app did you find it?

Re: Sephora credit card updates

I’m going back and forth between applying for this. I think I would definitely qualify for the Visa or Visa Signature.  4% back on Sephora would be nice, and it’s more than my other rewards card gives me at Sephora, so — if I got it — I would mostly only use it for my Sephora purchases. 

 

But, based on my past yearly spends I think the rewards would total maybe $100-150/year. I don’t know if that’s worth it to me to go through the hassle of unfreezing my credit and having to keep track of another account.

 

Also, it looks like the 4% back does not include Sephora in JCP. 

Re: Sephora credit card updates

I'm curious to know what this 4% back is. Is it 4% cashback or points? If it's just for points, then to me, it doesn't make sense to even get this card.

Re: Sephora credit card updates

@mmmiu Here’s the “fine print” from the website:

 

9B60B298-F7D4-4DB6-97CC-FD0E0D4F5A11.jpeg

 

Re: Sephora credit card updates

Yeah, I won’t be applying for this. Based on my credit scores, I know I’d qualify for the Visa but I don’t need it. I already use a points-earning Nordstrom Visa for most of my shopping. I’m fine earning Sephora points the way I currently do, and also earning Nordstrom points in the process. Smiley Happy 

 

Sephora’s Visa interest rate seems about average for store-branded cards. I tend to quickly pay all my card balances, so I don’t worry much about interest rates. But I know firsthand—from my 20s, when I tanked my credit rating—how easy it is to fall into credit card debt. Took me about 4 years to rebuild my credit and change the way I treat credit cards: I think of them as debit cards instead of credit; I don’t charge what I can’t afford to quickly pay. Sometimes, after buying things online, I go directly to my card account and make a payment to cover my purchase. That’s what I recommend to anyone with a history of credit card debt. (And no, you don’t have to carry a balance on your credit cards to build credit. All that does is feed the cards’ banks.) 

 

Honestly, the only reason I have any cards (aside from my actual checking account debit card, of course) is for the 3 credit bureaus. Well, also certain perks tied to a couple of cards (Nordies and Target). Smiley Very Happy 

Re: Sephora credit card updates

@WinglessOne The Target one is awesome. I’m passing on this card as well even though I know I will qualify. 

Re: Sephora credit card updates

Same here.  I have a Nordstrom Visa and I much prefer the notes I get from that plus the much lower APR.  The APR for the Sephora visa would have to be equal or lower than that card to get me to consider it.  Not to mention the Nordstrom Visa is one of my oldest cards...and my husband would likely not be very happy if I got a card solely to use at Sephora.  (Plus I would rather not use one that would not get paid off every month.  Trying to save a little for a new car.)

Re: Sephora credit card updates

I really want to bite the bullet and get it, but I have a similar store Visa card where I earn rewards for outside purchases, yada yada.  Kind of want to see/hear everyone else's thoughts.

Re: Sephora credit card updates

Something a bit odd - I noticed that it says you have 30 days to use your 15% off purchase, but I backed out of my account (I had items in my bag that had the discount applied), but when I went back in the discount to my bag is gone even if I go all the way thru to pay for the item. The Sephora card is preset as my payment method so I'm a bit confused. Hmmmm...

Re: Sephora credit card updates

I got auto approved for the usual $500, yay! Time to build more credit! Lol. 

Re: Sephora credit card updates

Since it's *select markets* at first probably why everyone can't access right away.

 

I do see, on mobile site, a credit card link under my account. Link: https://m.sephora.com/profile/CreditCard

RE: Sephora credit card updates

Here is the apr for anyone interested. It’s high like most store cards. They have a visa option too. Please be safe ladies and gents.

Re: RE: Sephora credit card updates

Looks like some high interest rates.  I can see this being a great card for some people... and an awful one for some others.  

Re: RE: Sephora credit card updates

@missjeanie feel the same way. I hope people read the fine print. 

@KNC24 it tells me it's coming soon still,,, where are yo...

@KNC24 it tells me it's coming soon still,,, where are you seeing the application at?? 🤔

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

@lmaster sorry I didn’t tag you on the original reply

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

Oh thanks so much @KNC24 yeah if you're able to keep your debt on the card under 30% and pay it off in full every month, it's a nice way to earn some extra points

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

@lmaster for me I know how to keep my credit under control. I think I would be applauded by how much I spend at Sephora. This year has been slow for me. I haven’t rerouged yet. I’ve been going crazy on natural hair brushes which leads me to other sites. I understand it from a business standpoint. Sephora is growing so fast that it makes sense. Just hope people don’t go in bad debit due to a Sephora credit card. 

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

I completely understand @KNC24  

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

On trendmood’s page there is a link that once you sign in takes you straight to the application. I didn’t find it via goggle at first. I just wanted to see the apr. 

Re: @KNC24 it tells me it's coming soon still,,, where are yo...

Applied today and was pre-approved for the Visa, but after digging deeper I'd like to cancel tbh :/ I haven't received or activated my card yet, still feel dumb for not being more cautious.  Will I take a hit on my credit score for cancelling it? Also, how do I even go about cancelling the card??

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