Davids bridal credit card

I never did the credit card but I did their layaway system. It all worked fine, but if you need anything dyed it had to be paid off completely before they dyed anything, and my store only does dyes every 2 weeks, so I had to make sure it would be done in time for the wedding I was in.

The credit card is probably similar. Not sure about interest rates or anything.

I used it. It's great. I'm not using it for my wedding dress but I used it for a banquet dress. You basically buy your dress with the credit card and have six months of no interest. The dress was only 200 dollars so it was great to save that and pay only about fifty dollars every month. They were kind of forceful with it because they have quotas to meet but I liked it because I didn't have to drop the money right then.

They tried pushing that on me when I got my daughters prom dress. Said they no longer do layaway. Well I was in a wedding and just bought my BM dress 2 months before that and had no problem doing layaway. They must work off some kind of commission when people open up a cc. I just don't like being lied to.... I did put her prom dress on lay away without opening cc.

Why pay interest when you don't have to

It's a credit card to try and get people to buy stuff they can't afford. Save money and then buy your dress if you can't afford it yet. Store cards are almost never good deals.

I agree with @Stephanie, save money and then buy your dress. Opening a store credit card just to buy a dress is financially irresponsible. Yeah they want you to open that card, because they make a lot of money that way.

You still have plenty of time to order your dress. Just put the money away for 6 months then go order it. Store cards are fine in some situations but I don't see a point in getting a card you will never use again.

They tried pushing the card on me and I didn't get it. I just did the layaway option

If there is a layaway option use that. Store credit cards ALWAYS have a ridiculous interest rate, regardless of superior credit.

My mom offered to pay for my dress and when the perfect dress was a little more than she expected, she opened the card to pay for it. As Corrin mentioned, you get 6 months no interest so it does help to be able to pay it over time and in the meantime, you still get the dress; unlike layaway where you wouldn't get the dress until after it's paid.

I had the money to buy my dress outright, but decided to go ahead and get the credit card since it gave me more time to pay it off. Like previously stated, you get 6 months with no interest so I paid mine off well before the 6 months was up. It never hurts to give yourself more credit if you follow through with paying it off before the interest hits. Also, it helped me not feel overwhelmed when I added things to my order like the preservation kit and my alterations. I just made monthly payments for everything until it was paid off and it eased some of my other expense pains along the way.

My friend did it because it was interest free for 6 months. If you can pay it off by then, why not do it?

If you have to get a regular credit card instead visa, Mastercard, Amex

Something with rewards you can use everywhere

I would advise against opening a credit card with a store just to buy a dress. Even with the six months free interest. If you close the account after all is said and done, you will adversely hurt your credit score. You will also alter your score by the credit inquiry to open the account.

Yes, exactly what @TheRascal said. Opening a store card is still a bad financial decision even with zero interest. It will likely negatively affect your credit score for a number of reasons.

Thanks for your responses. I'm not getting it, just wondering what was people's take is on it of those who actually got one.

@Natalie, I'm surprised more people don't know this or don't pay attention to it. When credit cards have deals that are too good to pass up, it's because there are often long lasting impacts that have nothing to do with the direct payment or immediate purchase but everything to do with, say, one's ability to secure a good mortgage rate (or, mortgage at all) in the future.

This deal is meant to make you spend more money than you wanted to by hooking you with the zero interest but without fully disclosing the long term financial repercussions.

When I bought my dress they had a promotion to save like 15% if you opened a credit card. So yeah, I did it. I never used it again...wonder if it is still active? haha

@Staci, you're giving me heart palpitations! All these questions running through my mind: Does the card carry with it an annual fee? What if you've been charged the fee and haven't paid it and are now getting hit with late fees? Have you checked your credit rating? Inactive cards that carry no balance can ALSO adversely impact your credit.

Oh dios! I'm clutching my pearls (ie, the white tuft of fur around my neck).

@TheRascal, exactly people don't know or don't care about the long term effects. But that doesn't really surprise me, a lot of people are financially illiterate. They get excited by zero interest or a deal where they can save a few dollars. But saving a few dollars really isn't worth it, if down the road you get approved for a higher mortgage rate that will ultimately cost you tens of thousands of dollars.

And I'm not totally opposed to credit cards. I pay most of my monthly expenses via credit card and pay it off at the end of the month. But I do so in a way that improves my credit, not damages it.

@TheRascal - can you clarify what you said - "Inactive cards that carry no balance can ALSO adversely impact your credit." My oldest line of credit is a store card that I signed up for 12 years ago as an 18 year old - I have no balance on it. Maybe once a year I buy something at that store now and pay it off instantly. I don't want to close this card because I know everything else I have is much newer than this card, so is what I'm doing correct to make sure it doesn't count against me? I hate that having cards issued to you but not having a balance can hurt you. Credit ratings are ridiculous. I've gotten a few new cards this past year and really worked on improving my credit; my score has risen 50-60 points this year by me paying things off and transferring the balances I couldn't instantly pay off to a no interest card that I've now budgeted to pay off within the 15 months of no interest.