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 How do you get good credit rating with no credit?
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 Is it legal for a credit card to deny you higher limit but charge you when you go over?
I pay off my credit card bill every month and usually spend right up to the limit- I called to ask for an increase and they denied me, but they didn't decline my card when I went over and then ...


 Please help me I am in so much trouble and there is no way out!?
Please help me I am in so much trouble and there is no way out. I need money to get out of this trouble but I have no job, and I cant get a job because the renewal on my drivers liscense is denied, ...


 Are consolidation loans the answer to debt problems?
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 Can i open a bank account with a poor credit history,been refused from a few .?
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 Why do people get mad when I ask for an ID for their debit cards?
I work at a fast food restaurant, and we accept debit and credit cards. Whenever I ask for ID and someone is paying with a debit card, they get mad and say "Well,it's a debit card,why do I ...


 I am discharged from bankruptcy where can i obtain a credit card / loan from?
I was declared bankrupt in May2006 and discharged in Oct 2006. I would like to know where i can obtain a credit car or loan as no one will help me. I have sent for my credit reports and they are ...


 Anyone else been a victim of credit card fraud?
Just found out my card details and alot of money has been taken to pay for some flight tickets. i dont know if ill get the money back yet, this happened to anyone else?, i feel so angry.
A...


 Do I have to sign the back of my new Credit Card?
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 My moms purse was stolen!!?
We canceled our credit cards but they had their check books and all of our social security numbers!!! We live in an partment complex.....WHAT SHOULD WE DO!????!!!
Additional Details
The ...


 If i have a check card with my bank but i do not have funds in the account can i still use the check card?
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 If you declare bankruptcy, what are the chances (how long) before you could buy a house?
My husband and I have not been the best example of fiscally responsible people. we are at a place where we don't know about credit counseling ( the honest truth is we can't pay any more ...


 Is a 704 credit rating good, bad or alright?
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 Where can I obtain a small ($3000) personal loan with very bad credit? I am desperate.?
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 Where can an 18 year old get a loan for $2000. credit is not bad.?
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 Why do people get credit cards?
Do people do it just to conform and be like everybody else?

Or do people really think that credit cards offer great benefits like frequent flyer miles?

What's so wrong ...


 If you had a 1 thousand s dollars with of credit card dept, would you pay all your credit card dept right then
or would you save some of the money and just pay on the credit cards....... im living month to ...


 Advice with a credit card debt PLEASE?
My husband and I just are having some financial problems. We have 4 credit cards, and haven't payed on them in about 4 months or so. He is in the military, and i have been out of work. I just ...


 Can u go bankrupt if you are in full time employment?
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 How do i get off credit black list?
refused credit,need to know why and how i can improve credit ...



Eugenio C
Can a department store, K Mart, refuse to accept payment in cash and demand that Sears credit card be used?
My purchase was @29.99, tendered a $20.00 Reward Certificate good at any Sears or K Mart. They accepted the certificate and refused to take cash for the difference, insisted it must be charged to the Sears credit card. I thought Legal Tender must be accepted always. Am I wrong?
                     
 




gottabuylots
Rating
I do not believe they can do that unless the certificate could only be used in conjunction with the card.


ramman
Those reward certificates are like a coupon and an incentive to keep using your very high interest Sears card. They hope that you will run up a balance and let it ride so they can more than make that money back in interest.


Cookie On My Mind
Rating
Wow that's really weird! I can't imagine them not wanting to take yoru money. Unless there was some pre-set regulation on the reward certificate, I see no reason why they shouldn't have taken your cash. I hope you decided not to buy it! But check the fine print on the reward certificate - perhaps it was only good towards a credit card purchase???


graeme1944
They cannot refuse legal tender. I think you would either have to pay the full amount in cash though, there might be some catch trying to use the Reward certificate-read the fine print on its use. If not report them as it is a federal offence to refuse legal tender.


pagamenews
It depends on the so-called fine print on the certificate that you used as part of the purchase payment.

If it specifically says that you must use a Sears credit card to make the transaction, then yes.

I recently received a coupon in the mail from JC Penny that required me to use the $10 credit coupoin with a Mastercard to make the purchase. So, yes, some stores may have policies in conjuction with special incentives that they make available to consumers.


hdhoney03
Rating
I thought so also...was there any conditions at the bottom of the certificate that said any purchase over the amount stated must be charged to your Sears charge card? I would not think that would be the case but its always possible....they are always putting those conditions on stuff anymore you have to read all this little printed stuff on the darn things. Hope this helps. Merry Christmas and Happy New Year


newyorkgal71
Rating
No, I always use cash at K-Mart. Tell the cashier you do NOT have a Sears card (even if you have one say you don't) and you are paying cash. If they refuse, ask for the store manager. Repeat to the store manger, you do not have a Sears card and you do not want a Sears card.


Mike B
Rating
You're right. Genuine US currency must be accepted by anyone who accepts any form of payment for goods and services in the US. If you wanted to pay with a sack of nickels, they would have to accept it by law. That's why all bills say, "This note is legal tender for ALL debts, public and private."


TM
If they have their policy posted you can't complain too much. Otherwise this sounds really weird to me.


STEVEN F
Rating
Cash is "Legal tender for all DEBTS, public and private". There is no debt in this case. Bussiness CAN determine what forms of payment they will accept. My source is the United States Treasury Department's answer to a similar question. That is the most authoritative source you can ask for.


robertspraguejr
Rating
They want interest revenue. You can outsmart them by mailing the total balance on the same day as you make the purchase. Have your envelope and checkbook ready, make your purchase, fill out your check, mail it. Their shenanigans have yielded them nothing.


My Evil Twin
Any normal store will accept cash for the difference between what a reward certificate offers and the sum of the purchase.

The key word here is "normal"....


Mariposa
Rating
I've never heard of any store not accepting cash since they want to sell items.


NATIVE NEW YORKER
Rating
no you are correct


greeneyepit
Rating
If it was all cash I am pretty sure they have to take it but being that theres also a "Reward Certificate" who knows. Whats this world coming to? There always has to be a catch or some kinda of obsticle to a simple purchase. I would assume they have a policy for u to use the credit card so they can collect the intrest. I
think its BS


beez
You're right. They're wrong. Report it to the manager.


purplepartygirrl
Ca$h is King!

Although Mike B. is wrong...The apartment complex that I work at on the weekends only accepts checks or money orders. No Ca$h allowed.


Call Me Babs
Would if you don't have a Sears card? The whole thing sounds like a joke to me.


Agent 86
Rating
Sounds like a blatant lie.Ask to speak to a manager or do your business elsewhere.


karlee
That sounds like you may have encountered a clerk who did not know how to handle that transaction. Cash would be sufficient and actually a preferred type of payment. Why would Kmart take a sears card? sounds suspicious to me.


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