3 Ways Mechanics Can Benefit from a Sears Credit Card
A Credit Article Contributed by Kris Griebe
How Does the Sears Credit Card Work?
The Sears credit card is just like any other credit card, with one major exception. You can only use it at a Sears store, or by ordering products from their catalogue (or website). Other than this tiny fact, a Sears credit card will work the same way. You will have a credit limit, and an interest rate. You will receive monthly bills, and be required to pay a minimum payment on your outstanding balance each month.
The benefit to having a credit card through a merchant, such as Sears, is the lower interest rate. These cards are catered to a much more selective group, and tend to have a lower interest rate in order to encourage spending on the card. They can enable you to make large purchases from a merchant, without having to horde large sums of cash before you buy.
How Can a Sears Credit Card Help a Mechanic?
Sears is one of the largest tool dealers in the world. They carry a full line of quality tools for all types of work, including the Craftsman tool line. As a mechanic, it is important that you have reliable tools, and have the ability to get a tool you don't have, when and if you need it.
By having a Sears credit card, you won't have to worry about having the money up front to get the tool you need. Whether you restore vintage cards as a hobby, or professionally fix customer cards for a living, having the right tools can mean the difference between getting a job done, or not.
Having a credit card around can save you from running into this problem. If you are working on your vintage car one Saturday afternoon, but find you don't have the proper wrench, simply go to Sears (assuming your vintage car is not your only means of transportation! ) and use your credit card to purchase the wrench. You won't have to spend tonight's dinner money, instead you can pay for the wrench when you get your credit card statement at the end of the month.
Similarly, you might find yourself working on a customer's car for your small business, an at-home mechanic service. But there is a problem! You can't find the right socket to undo a jammed bolt. Simple solution! Run down to Sears, get the socket you need, and you can finish off your customer's car quickly and efficiently.
How Do I Apply for a Sears Credit Card?
These cards can be applied for in any Sears retail location. If you cannot find an application on your own (they are typically on the checkout counter) just ask an associate for an application. You can fill it out and turn it in right there in the store. Some locations will be able to tell you if you are approved almost immediately, but there is a chance you might have to wait a week or two.
So go on down to the local Sears and apply today. There is nothing to lose, and everything to gain. Don't get stuck without the tools you need ever again!
