Dillards credit card lets one shop at any of the 330 Dillards departmental stores in spread around 29 states. Dillards is a popular fashion apparel and home furnishing store and is counted among the largest ones. Dillards was established in 1938, and has best designs and of great brands and thus is a wonderful place to go shopping for.
Features
• Dillards credit card is of two types: one is for their stores and the other has the advantage of being affiliated with American Express.
• The card issued to a person depends upon his credit score; if the score is high then he will get American Express Dillards credit card otherwise it will be only for the Dillards stores.
• The payment can be made in installments as well as in full amount.
Pros
• American express Dillards credit card can be used even outside the Dillards stores.
• The members get a bonus of 2 points on every $1 purchase in their store while 1 point per $1 outside their stores. Points are also gained by using the card at gas stations and groceries.
• After accumulating 1500 points, customer gets a discount of 10% on one day’s full shopping.
• A member reaching Elite member status get various extra benefits and entitlements like spa, travel or golf packages, free shipping, Private shopping invitations, special bonus points, and special customer service.
• This credit card does not require an annual fee.
• Efficient customer services.
Cons
• For getting a Dillards credit card one must have a checking account; no other type of bank account like a savings account will work.
• Not everyone is entitled to hold this credit card.
• Interest rates are quite high for those having high-credit score.
• The discount offered is too less compared to the minimum expenditure required to earn it.
Verdict:
Dillards apart from providing great goods for shopping also provides even great way of shopping them through Dillards credit cards. Persons holding these cards can make use of various advantages it provides along with the comfort of shopping and paying online from home. Dillards credit cards suits for those with high-credit score due to its high APR.
