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Sears Credit Card Applications

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Jul. 26th, 2007 | 07:11 pm
posted by: kylierogers in kmart

Okay  I've worked at Kmart for quite a while now, and our supervisors have always been pushing for cashiers to sell smart plans and do more Sears Credit Card applications. I will not lie most of our cashiers do not ask  "May I put this on your Sears Credit Card today?" while ringing people up...which may have something to do with our Sears applications being so low. I however ask every customer that comes through my line (as it is my luck that if I don't it happens to turn out my manager is right behind me breathing down my neck waiting to yell), but today our managers gave notice slips to us stating that if  we do not get at least ONE sears credit card application processed and ONE smart plan sold by the end of the week we get a "verbal interview", then a the next day if still nothing "written notice" and then fired if by the end of the month we have none. (Did I mention all the cashiers are only working about 4 hour shifts right now and maybe maximum 4 days a week?) 

I do plenty of Smart Plans, but NO ONE wants a credit card with what 32.19% APR financing?????  I've given up on asking if they'd like to use their Sears card and now go straight for "Would you like to apply for a sears credit card today and receive a free gift" (our store gives away gifts...which happens to be a 2 liter bottle of pop...wooo what a gift.) Still I get all "No" answers, it's not my fault that someone doesn't want a horrible credit card, I cant exactly shove it down their throat and say that they will apply for it.

My question would be is this threat of theirs even legal? What if I do happen to be fired over this issue??

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Comments {40}

Dana

(no subject)

from: sparklediamant
date: Jul. 27th, 2007 02:57 am (UTC)
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At our store, you MUST ask every customer. The rule is, if management is around you while you're on a register, and they don't hear you offer it to three customers while they're standing there, you get sent home (they haven't actually done this yet to my knowledge). We are EXPECTED to get "YES!" from 1 in every 3000 customers we help at the registers. I work on the floor, and no one ever wants to get a Sears card from me, lol. But, tomorrow is my last day, woooooo! :D

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cocofrog

oh yeah this shit

from: cocofrog
date: Dec. 1st, 2009 06:32 am (UTC)
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yeah I worked at Kmart and we were offered some money but only after you got 5 customers to sign up. Do you know how hard it is to get one person to say yes?

What I hated is they get under your skin to ask "would you like to apply for a sears credit card? No well let me tell you about the benefits of applying."

So hated it but guess what only asked two whole people and got them to get it after that never asked again, even with the manager standing their, how I got away with that is I had the highest donations for march of dimes and fastest check out, you can find ways around without getting fired. People if you want a card go to K marts website and apply their its safe and secure.

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MK

(no subject)

from: i_hollywould
date: Jul. 27th, 2007 03:07 am (UTC)
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You're right, this is very wrong. There is no way they can expect you to be responsible for incorrect statistics. Likely, though, they are threatening you in order to scare you.

I never asked about Sears cards unless they put that "Free Gift! Unless I ask you about a Sears Card!" sticker on my register.

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Brianne Elyse

This kind of turned into a mini-rant, sorry

from: _cerise_
date: Jul. 27th, 2007 01:45 pm (UTC)
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That's bullshit. If you're only working 4 hours a day you cannot be expected to mysteriously get the customers who have excellent credit (since for some reason, even though the APR is crap, sears cards are very hard to get) and who mysteriously want to apply. If you help the same people over and over, the same people probably aren't going to change their minds about the stupid card. As far as smart plans go, when I worked there, I would go weeks without even having an item offered for a smart plan! They can't expect you to meet goals when you have no control over them.

As far as it being legal, I'm sure it is. If I were you, and had received a verbal warning or a write-up, I would fight it, bceause it definitely isn't fair.

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(no subject)

from: fascistpig
date: Jul. 29th, 2007 02:59 pm (UTC)
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Try asking that question on a perimeter register like we're made to do. Seriously... I have to ask people if they want to apply for a Sears Credit Card in Sporting Goods and in Layaway.
"Are ya'll gonna get rid uh Layaway?"
"Well... uh... to my knowledge... uh... as of right now, no."
"Then why would I wanna git a credit card, son?"

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Rachel

(no subject)

from: kylierogers
date: Jul. 30th, 2007 06:07 am (UTC)
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It sounds like you guys are correct, they are just trying to scare us.

I finally decided to go talk to my General Manager about this. I've been in his office about 6 times since I started working there and at this point he doesn't -excuse the language, bullshit around with me anymore. I told him my views on it and mentioned that if I was fired over it I would be attempting to take action against the store, because I didn't agree with it. Then he explained that our whole store is doing so poorly with the credit cards and smart plans that his boss pretty much said fix it or he will fix it for him. He said that our assistant managers didn't explain it correctly, and that they are looking to weed out the people who don't bring in anything at all each month. He said as long as I had at least one smart plan OR credit card application I would be ok. We'll see how this goes.

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(no subject)

from: lemononthepiano
date: Aug. 2nd, 2007 08:55 pm (UTC)
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Come again? Is EVERY store doing this now?

At my store, we're pushed EVERY DAY to sell those stupid Sears cards. It's not your fault if no one wants to apply for them; every customer I ask seems to already have one :S Smart plans aren't too hard to sell, but I only get like...one per weekend or something (I only work weekends).

Honestly, I don't ask most people, since a lot of people get really annoyed by it. I've been working since April, and have NEVER sold a Sears card, although I know perfectly well how to process an application.

Not sure about the legality of it, but where I live, apparently people at the local movie theatre get fired for not upselling customers to large size drinks. I'll look it up today though and see what I find. What state do you live in? I think laws vary from state to state.

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Rachel

(no subject)

from: kylierogers
date: Aug. 2nd, 2007 10:38 pm (UTC)
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I live in Nevada, Las Vegas to be precise.

Yea, most customers do already have a card. I asked one lady today and she pretty much tried to rip me a new one, ranting about how horrible sears is. I told her I was just doing my job...then she gets real friendly again saying she understands.

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(no subject)

from: lemononthepiano
date: Aug. 8th, 2007 11:32 pm (UTC)
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Wow. Glad I haven't gotten a reaction like THAT. However, one dude came up to me and actually wanted a card, which shocked me, but obviously I gave it to him lol.

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(no subject)

from: anonymous
date: Apr. 22nd, 2009 11:09 pm (UTC)
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Okay, I want to get a sears card right now (because I really don't know of any other way to establish credit). I've tried regular credit cards but I need to have a background of good CREDIT to get one. But I'm trying to establish credit! To do that I need a freakin' CREDIT CARD!

Long story short, I didn't get a Sears card because I'm "too young". I'm freakin' 20 years old and have a good job! What the hell is the "minimum age" for a freakin' Sears card?!?

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(no subject)

from: valybopu
date: Jul. 17th, 2008 06:20 am (UTC)
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It is not Sears fault that your applainces break down if every other company sells the same exact Brands except kenmore.

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(no subject)

from: anonymous
date: Sep. 1st, 2007 09:55 pm (UTC)
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At our store, there is a big piece of paper, saying "If the cashier doesn't ask you about a Sears credit card, you get a free 2-liter coke!" The cashier doesn't ask anyways, the customers don't bitch about the coke, and nobody cares. Ha-ha! Isn't life wonderful.

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F*U*K Sears Credit Cards

from: justjulienc
date: Sep. 19th, 2007 02:14 pm (UTC)
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My old manager was getting on to me for a while about them, saying something like; "(SD coworker 1) has gotten 5 this week & why haven't you gotten any?" or "(Electronics associate) had three in one night, but you're not getting any. How come?" And THEN, she posted a list of everyone who had done credit cards & how many!!! Well, I was in the top 3! So, after that list went up I didn't hear much about it.

I mention it every time because we have customers who will ask for the 2-liter if we don't; but I'm sure they can tell it's half-hearted. Sometimes I laugh with the customer about "Why would I want a card with that high an interest rate?"

And seriously, I'm a fan of Dave Ramsey; a brilliant financial planner who says "debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice." I personally don't feel comfortable asking people to get into debt for anything. The ones who do apply are the ones who can least afford it. They are usually people who don't get approved & yet apply repeatedly; don't they know this looks BAD on their already hurting credit report? I've actually heard people say, "Yeah, I'll apply, but they'll turn me down like they did the last 2 times." Get a clue!

I resisted applying for nearly 2 years of working for Kmart, but said I'd be the third one for my manager. (the thing is now, if our store doesn't get three apps by a certain time every day then our manager has to be on a conference call with higher ups.) I got it, but so what! If I didn't think I'd be approved I wouldn't have applied.

Oh, and every chance I get I pull down a sign about the 2L. If they don't see it they can't get it.

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Re: F*U*K Sears Credit Cards

from: anonymous
date: Nov. 21st, 2010 03:10 am (UTC)
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i am interest of appyling a kmart sears credit card how do i go about that

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Legality

from: justjulienc
date: Sep. 19th, 2007 02:18 pm (UTC)
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Sorry, I got sidetracked about the real question.

I'm positive that isn't legal.

Like when I worked at (pizza place) delivering & the manager had a policy saying, if you take a delivery call & don't get good directions then you have to give the driver $1 when they get lost, are late, etc.

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better give-away - better results?

from: anonymous
date: Jan. 24th, 2008 02:55 pm (UTC)
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Would a 12 month subscription to a leading magazine help move the needle when pushing a credit card application????

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Rachel

Re: better give-away - better results?

from: kylierogers
date: Mar. 22nd, 2008 07:38 pm (UTC)
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Are you talking about a better incentive for the employees to push them, or for the customers to apply?

Either or, neither worked for my store. We tried giving away craftsman tools, MSE houseware products, and even 10 dollar gift cards to apply. We also hired 3 people to constantly walk through the store with applications and the free gifts mention above, asking people if they'd like to apply. It didn't improve our numbers any.

As far as a better incentive for employees, for each day whoever had the most applications received a 5 dollar starbucks card, and there was a monthly drawing for 100 dollars (the more sears apps you got the more tickets)....that didn't work either.

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Sears Credit Cards

from: anonymous
date: Feb. 13th, 2008 12:23 pm (UTC)
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I, too, work at Kmart and think it's terrible that we HAVE to ask each and every customer if they would like to apply for a Sears credit card or get written up!
Many customers look incredulous and ask if they aren't in Kmart. I then have to do the spiel of how both stores merged and we honor Sears credit cards now. Some customers ask if we're closing, most customers say they already have a Sears card, and most customers say NO. I had one customer tell me he was offended that I even asked him!
I'm just sick and tired of sounding like a parrot. We can't force customers to apply, or to even purchase the Smart Plan, but management tells us that there is a quota to meet....they want 3 applications per day from each cashier. Impossible! I'm lucky if I get one application per week!
Thanks for allowing me to vent. I'm glad there are other Kmart employees that feel the same way I feel. I can't wait to finish my degree and get a better job.

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Re: Sears Credit Cards

from: anonymous
date: Oct. 23rd, 2008 10:57 pm (UTC)
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I couldnt have said it better! I too, am a Kmart employee. I enjoy my job & the customers very much. I don't appreciate that I have to assault my customers with the barrage of questioning. I feel like I am interrogating them...."May I put this on your Sears card today?..Would you like to apply for a Sears Card today..?"..."Would you like to purchase an additional year of warranty coverage on this item?"..I appreciate their patronage & want to wind up their shopping experience on a pleasant note. We POS people have gotten the "quota" threats also, at our location. I am so genial to my customers they don't mind the questions, they know I'm just doing my job. I'm so familiar with a great number of them I either know (A), they already have one or (B) they DO NOT want one. It is IMPOSSIBLE to get 3 Credit apps a day let alone one. At our location, we get a lot of Seasoned Citizens, who either have one or theyre old school--cash only. Also we have a LARGE number of people on Welfare. They have no chance in hell of getting a Sears card. The free 2 liter bottle of pop is a joke. Theyve stopped that at our store. I'm lucky to get one Sears App. a month. Marketing needs to think of ways to entice the customers into the store & stop putting the pressure on us at the register. They also need to do something that Kmart is notorious for....BAD SIGNAGE AND CONSTANT PRICE CHECKS! Also, update their inventory. Too often they run a sale for an item & put 5 on the shelf. People are getting pissed about that! Cant say that I blame them. I think at one time or another we've all been Kmart customers. Been there & done that. My hours were cut one week & when I questioned management, the response was "How many Sears applications have you gotten?" There you have it. The POS people can't save their asses. You got into this mess, YOU get out. The POS people get all the crap, the complaints...we're the sounding board. But I am understanding about their frustrations as I have the same complaints myself. Our store would run more efficiently if they didnt assign so many duties to one person. The POS at our store have 3 l/2 hour shifts & we're all scrounging for more hours....yet, they continue to hire more people! The whole company is mismanaged. If it doesnt make sense....you MUST be at Kmart.

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(no subject)

from: alittlewhack
date: Mar. 17th, 2008 03:00 am (UTC)
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I'm actually not even sure how to process one, so even if I ask I cross my fingers that they don't want to apply. I know how to do all the stuff for it on the computer, but the part that I don't understand is the paper. What do they have to do with it, and what do I do with it? Do I run it through the check reader?

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Rachel

(no subject)

from: kylierogers
date: Mar. 22nd, 2008 07:34 pm (UTC)
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yes, your computer should ask you to "insert slip" in the check reader, it will then print some numbers on the paper. As far as our store in concerned we place those in our till. After that it will either print out a temporary sears card paper for them to use, or print out something along the lines of "your application can not be processed at this time." Just make sure you have their signature on the paper placed in your till.

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(no subject)

from: alittlewhack
date: Apr. 1st, 2008 08:27 pm (UTC)
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Yay, I got someone to apply yesterday! Thanks. :)

If they get rejected for it does it still count as an application at our store? I really want some brownie points from the managers. Lol.

It printed out a number for the guy to call, so I guess he'll have to call that to find out if he's accepted or not.

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Sears cards

from: anonymous
date: May. 14th, 2008 10:49 pm (UTC)
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I work at Sears and I get more then 100 credit applications every month. We give either 10 or 15 dollars off on there purchase for applying for a Sears card.

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Re: Sears cards

from: anonymous
date: Apr. 26th, 2010 04:36 am (UTC)
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Nice to hear someone else agrees!

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sears cards

from: trinisty
date: Jun. 10th, 2008 01:34 am (UTC)
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I work at Kmart too but here is what bothers me we are cashiers not telemarketers or salesmen we should not have to be worrying about quotas or sears cards or ruining any one's credit rating seriously this is what telemarketers do !!! it is ridiculous. I'm the best sears card seller in my store but that's only cause I'm the only one who asks. I get paid minimum wage with 6 years cashiering experience. If they want us to be salesmen and telemarketers they should give us raises and pay us like it otherwise we should just ring people up and do 7.00 an hour worth of work they are paying us for.

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Re: sears cards

from: anonymous
date: Sep. 24th, 2008 11:51 pm (UTC)
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Hate to tell you this but 6 years at a register is the same experiance as someone with 2 weeks. If you bitch about your position being a "cashier" and not a "cashier/salesmen" then all your going to get is a job title change. It probly allready says in your job description that it is one of your duties. Asking someone if they want to sign up is a pain but there is no salesmenship included. Just be happy that you havn't been replaced by an automated checkout and a sign saying to sign up for a card.

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Re: sears cards

from: anonymous
date: Sep. 25th, 2008 02:48 pm (UTC)
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How is two weeks experience ever equal to six years in any field? That is just stupid of you to say that. You seem to have missed the point entirely the fact that people should not have to be hassled to buy things or sign up for a credit card with 10% interest rate at the end of check out after they just bought merchandise from the store. On top of that Some customers we have find it offensive we would even ask them and some still are appalled by the fact it asks their social security number and the fact that cashiers should not have to ask especially making the salary they pay. Telemarketers on average make 8-10 an hour Cashiers get minimum wage.Oh and just so you know there are jobs for telemarketers just getting people social security numbers, in mortgage companies and such. And its not just that if the managers in my store treated 90% of the cashiers a little nicer than they wouldn't mind it half as much.The mere fact of the matter is Cashiers at Kmart are treated horribly,expected to do several jobs at once and make less than they should.Maybe it wasn't in my job description when I started and maybe it was later added but in any case your missing the point entirely Oh and as for your comment about automated check out, there already are signs and announcements every 15 minutes, and Automated checkouts still need experienced cashiers to supervise the process in case of errors or mistakes because a lot of people cant understand how to use them. If you don't believe me there go to an Acme and try and void an item off on the automated system and see what happens.

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Kmart Credit Cards

from: anonymous
date: Jul. 13th, 2008 11:53 pm (UTC)
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This is an active topic of conversation on www.retail-worker.com. It would be great to have all your thoughts included in our discussion. Feel free to register. -Spector

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Re: Kmart Credit Cards

from: anonymous
date: Jul. 14th, 2008 12:08 am (UTC)
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You mean here http://www.retail-worker.com/forum/about9480.html? All right then - wow!! Thanx Spec.

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unrelated question

from: anonymous
date: Apr. 15th, 2009 03:16 pm (UTC)
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This will sound crazy, but my biological mother worked at K-mart on Glenwood drive in GA-decatur I believe. The store closed more than 10 years ago. I found out that my biological father worked there as well, but I only know his first name and not how to spell it. Is there anyway to get these records to find the name. I know when he worked there. If not, do you know any sites where you can search for someone by just putting in a place of employment-like social sites. That way I would be able to find someone who worked with them. I appriciate the help. Thanks! You can email me at morningstarmason@comcast.net

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Sears Credit Card Apps

from: anonymous
date: Nov. 5th, 2009 04:44 am (UTC)
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At the sears I work at we are expected to ask every customer too but we have to process at least 4 or 5 a day which does not mean that they have to be approved... I just started so its not as strict on me yet but I mean you have to do what you have to do. I actually think its kinda fun trying to see how many I can get, besides extra money added to your paycheck why not ask everyone!!! :):):) But I dont think you should get in trouble for not processing any credit apps...

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(no subject)

from: anonymous
date: Nov. 25th, 2009 01:57 am (UTC)
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Does anyone have any tips on getting credit apps? I don't want to lose my job.

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(no subject)

from: anonymous
date: Apr. 26th, 2010 04:53 am (UTC)
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NO it's not luck hun. Just ask them if they have a sears card. And if they say no then tell them about the offer, which would be the 10 or 15 Dollars off...not percent. A lot of customers think it's percent so sometimes I will tell them what they're total will be if they were to get the card. That makes it very enticing. And then tell them it's quick and easy. Also if they have a sears card, ask them which one and then tell them the offer on the one they don't have and give them an option to apply for that one. Always emphasize QUICK, and FREE and then the ten or 15 off.

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(no subject)

from: anonymous
date: Dec. 5th, 2009 01:33 am (UTC)
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There are no tips. Honestly, it's just luck. Most of the applications I have had have been people approaching ME wanting to apply for one. Yet when you get them regularly, the managers mistakenly believe that you are good at it and will then put you at the door as a greeter to attack people as soon as they come in to ask if they want a Sears card... then they will be asked again upon checking out, and then they'll get mad and won't shop there anymore.

I digress. It really is all luck; it depends on if a person just ITCHING to get a Sears card goes through your line or not. They may go through your line and decide that they just really want a Sears card, or they may go through the line beside you. It's all luck and nothing we do can influence them.

Just based off of my experience.

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(no subject)

from: anonymous
date: Apr. 26th, 2010 04:31 am (UTC)
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Yes Oh my goddd. It's sooo horrible that the store managers want you to get credit and that you could possibly make extra money off of this. What a terrible idea. Don't be mad just cuz you suck. I am able to get 4-13 credit apps...off different people depending on the hours that I'm working. I don't understand what all the boohooing is about. It's extra cash. Easy and legit. 15 dollars off. As far as the "32" percent apr.....that's why you just use it to keep helping your credit and just put on there what you can pay off. And there is a 6 month no interest program for big purchases on the charge plus. And it's not the cashier's fault if we're required to make credit goals. Every job has goals and expectations to meet. And if the customer is stupid enough to sign up for the 3 apps I don't think it's the cashier's fault. A lot of times they on their own want to try again. And if you do 3 inquiries in the same day it will only count against your credit once.

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oh please.

from: anonymous
date: Oct. 3rd, 2010 08:33 pm (UTC)
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are you all twelve? this is basically saying its unfair for mommy to ask you to do the dishes or youre grounded. this is your job. anything your manager asks of you unless its not work related is included in that. are you on the clock? are you being paid? is it unreasonably taxing or illegal? no? then youre there to do as youre told so do it. if you wanted a job where you choose what you do and how and didnt have to meet someone else's requirements and goals then for one thing youre unrealistic (good luck with that kiddo) and for another thing you should never have applied at all. bottom line is its your job. if you dont do it or suck and cant or dont improve then hell yes you should get fired. do your job like your job depends on it. thats not unfair, thats logic and life. i'd fire your whiney childish ass too...and im a 19 year old sears cashier too.

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this bullshit

from: anonymous
date: Apr. 30th, 2010 04:09 am (UTC)
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work at sears Getting credit applications is bullshit. Nobody needs or wants a credit card these days. They are sing my hors on credit apps. I applied for full time job which is gurrantee o less that 30 hrs a week. Unofficially my manager gave me the job but he officially go through with it since I don't get at least 3 credits each and every day. I am a very good associate other wise and they know it. I get 100 every time on csat customer survey ratings, Customers Always say hwta a great job I'm doing, how I go out of my way to help them< how have a greay smile and personality, ect. No where in out handbook does it say we are required to get credit cards, we are required by state law to always ask about credit cards which I do. Thanks for letting me vent. Any suggestions for I am called in to general manager about credit lows credits for me. I was already called in once and just nodded my head and said yes to every thing and promised my ass off that I would get more crdit apps. I have Improved from getting less than 3 a month to 6 a month or so.

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Kmart Is The Best. People Complain TOOO MUCH!

from: greg323
date: Jul. 5th, 2010 07:39 am (UTC)
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Ok so I started working in Kmart April of this year and I do have to admitt my first days sucked i felt emotionally bad and I had to arrange myself to being a cashier and handling customers, for example the B***** ones or the ones who just complain or are either impatient. Either ways I hear people complain of how much Kmart sucks and how its just BS this and that...Ugh Im tired of it. I Myself think Kmart is GREAT!! I mean I do get customers who complain but really its life and I ignore it and I'm a people person so I ask ALL and each person if they would like a Sears Credit Card and of course I do get No's but everyday I get 3, 4, or even 6! and its an everyday thing. I Love my job at Kmart! There is nothing to complain about I appreciate my job and I'm Very Thankful.

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I work at sears

from: anonymous
date: Dec. 5th, 2010 09:06 am (UTC)
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I ask 90% out of 100% of the customers if they would like to apply for a sears mastercard and 10% of them say yes. i get maybe like 3 a day maybe more

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(no subject)

from: anonymous
date: Dec. 15th, 2010 05:44 pm (UTC)
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Ive been working at sears for about a week down and ive gotten 4 + credit apps everyday i have worked. all you gotta do is say.. How would you like to save 15 dollars today approving for a sears car? it doesnt take much time at all.

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