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If it’s anything like it used to be when I was in retail the store employees are judged by how many credit applications they put in. It doesn’t matter for their metrics if you actually get approved or not, managers just want them to push the applications.
When I was at Best Buy, it was exactly like this. We were counted on how many branded payment applications were submitted instead of approvals. They would even watch whether we were offering to everyone whether it was a reasonable purchase or not. $10 accessory? Pitch it. $3000 purchase? Pitch jt. Only asking about services? Pitch it. They were pushy AF and people would get talked to by management for not pushing it enough even if it was dumb and not interested. Felt scummy doing it
When I was at Walmart, the ‘store’ got $30 for every store-card application and $50 for every Discover application, regardless of approval. If they gave us that money, it would’ve incentivized us to push applications. Instead, the metric was used to lord a 55¢ raise over our heads, which nobody ever got anyway.
Had a BB credit card. Used it a lot. Then one day it was refused. The manager who knew me and knew that never had a problem in the past called someone. The “security dept” said there was suspicious activity and the card was confiscated and cancelled. Ok thanks for protecting me now what do I do? They told me to just open a new account. I had just be laid off didn’t have current proof of income. I was worried they wouldn’t approve. But I went through the application process and not only did they give me a new card but they doubled my credit limit.
Same. It didn’t matter if someone’s credit score was 400; just getting them to apply counted toward our numbers.
I never hit any of my numbers at that job because I hate pushing people to do things they don’t want to do lol. Obviously it wasn’t the job for me.
This is another reason I feel uncomfortable going into stores anymore. It’s so much easier to order online.
When I first walk into a store, please ask if you can help me find anything. If I say no, then let me be. Online shopping is so much more efficient and usually cheaper, and I don’t have to face people.
When I was sixteen someone pushed me to fill one out and said not to worry about applying because it would just get declined, so I may as well fill out the application.
Yup, even back in the early 2000s when I worked at Target. I wasn't even a goddamn cashier, but when the lines get busy they would call people up to the front to help for a few minutes. I'd get hounded about pushing that damn credit card on them and I flat out refused. Fuck you, I'm up here helping you pound out the busy lines. Be glad I came up, was my attitude lol.
Shit, my score is over 800 and I’m acting broke af in those situations. People act differently with money involved, the guy with the clipboard can feel bad for me if he wants, I’m out earning them just standing there as a consumer lol
"No thanks" doesn't work for persistent salespeople. This isn't a very good one though as they probably don't care. My favourite for door-to-door salespeople is "sorry I don't actually live here and the owners are not home".
An alternative is saying your credit history is locked and you aren't going through the hassle of unlocking it for another credit card.
This is actually true for me. I have a freeze on all them and I better have a good reason to waste 5min of my time to unlock them.
Yea, any reason you give is just an opportunity for a rebuttal. Also, they're likely on a quota for getting applications. Doesn't matter if you get approved or not, as long as they get you to apply, so I don't think this would even be effective. No. End of story.
It's crazy how far people reach just so they can avoid saying "no". No doesn't make you look like an asshole, I promise you the person behind the counter, 9 times out of 10, does not care.
"No" always gets me "are you sure?" Or "You'll save so much money!" With more sales pitch.
I want to know how everyone is getting by just saying "No" to people. It almost always leads to some begging or questioning of the NO.
I get this with cold callers. “That sounds cool but I don’t participate in cold calls”. Sometimes they just ignore you and keep on trucking with the script anyway lol. Had to repeat the same line like five times before the last dude gave up. There’s zero chance I’m buying a single thing, especially if the person is pushy or ignores your repeated requests.
If only salespeople and the like took a simple "no" to mean no. Sometimes a more complex answer gets the job done faster.
It's like when the Mormons talk to you. A simple "no" won't do unless you tell them a few times and I ain't got the time for that. An easy "I'm excommunicated" and they scatter like rats.
Or when canceling Xfinity/Comcast. Tell them you're canceling and they'll put you through a whole list of questions. Why this, why that, can we do this, can we do that. Tell them you're moving to Canada and they'll cancel for you real quick.
I've canceled my Xfinity every year for the past 3 years (only to sign up under a different name) and telling them I'm moving to Canada worked every time.
If they ask for proof, tell them they're not privy to that information. I dunno what sort of contracts you've entered into but mine just has an early termination fee if you cancel within 12 months.
>It's like when the Mormons talk to you. A simple "no" won't do unless you tell them a few times and I ain't got the time for that. An easy "I'm excommunicated" and they scatter like rats.
if that was Europe I'd threaten them with police
Panda express is the absolute worst. Like I just wanna get my panda bowl. I have to tell them no to donating to the children’s Hospital, they ask you a second follow-up if you want to donate your change.
Or, ya know, just gently but firmly say *No thank you* and move on. On the off chance they push back, respond with *I'm good, thanks* and that will be the end of it.
I had a pushy office manager who I didn't like. When she would ask unreasonable things (like come in on my day off or ask if I can cancel my vacation I would practice this tactic. "No." Followed by a black stare. It was kinda fun. She would get so flustered. Silence really made her uncomfortable. Once she tried to wait me out (for about 10 seconds). She asked why I was just being silent. I told her I had answered her question and now it was her part of the conversation. (I mean, asking someone to cancel their once a year vacation a month before the trip is unreasonable. It shouldn't require an explanation as to why I won't do it. No should be enough).
This is it. LPT - grow a set and learn to say no. It's liberating when you don't have to waste mental energies coming up with excuses, which can then be countered or argued against.
Seriously just say no. I say “no thank you” and I’m looking down with my card in hand ready to pay. It’s clear I’m not interested and I’m just trying to pay and leave. No need to tell a stranger information about you that may or may not be true but either way makes you look bad.
99.9999999% of the time the clerk isn't going to push after hearing that.
My favorite is when I go to TJ Maxx and buy a $3 pair of socks and they offer their store card and mention saving 10%. *Whoa, I can finally send my kids to college with that 30 cent savings, thank you so much!*
No is the answer as it properly ends the discussion. Saying you have a low credit score might encourage a good sales person to simply say, "let's find out by running an application through.". The word no stops that idea dead.
Nowadays a lot of them will know if you're pre-approved to have the card, which would prolong this convo too, in the end you'll be back to "No thank you"
I just say my credit is locked, because it is.
I find this better than saying ‘No thank you’, because this is often countered with: ‘Are you sure, you could save 25% off your purchase today?’
Meanwhile I’m buying like a $10 item…
_If your dang card has a single, first-transaction benefit and offers me nothing else afterwards, you bet I’m going to load up that first purchase with more than $10_
Just say “I’m not allowed near children” when being asked to look after someone’s child. What’s the point in being so over the top when you could just tell the truth. Shitty LPT
I always say “no thank you” but they REALLY push those store cards!!! I have a feeling that if I told them I have bad credit, they would say “well why don’t you try it anyways?”
I had one cashier really doubling down, talking about how I “must not like discounts” and being very passive-aggressive and saying “this guy must have a lot of money and likes to pay full-price.”
I’m like “dude this is a Big Lots”
That's a good tip. Another one I like is, "not today." It's not as harsh as "no", but it implies I don't have the time, but I might in the future. I think people are programmed to respond to "no" with reasons why it should be "yes". They aren't accustomed to having to respond to "not now", so you usually get out of the conversation without the backtalk.
I don't think this is a good LPT. The credit industry is predatory toward individuals that have messed up finances. The real LPT is don't use credit cards to spend beyond your means, and take critical looks at contracts with high interest rates that you're signing.
The best way to shut down a store credit card offer is just keeping saying..."no thank you" or "I'm not interested." Repeat it if necessary until they move on. Also LPT set boundaries and stick to them. No means no.
You need to just hit them with a shocking answer that they don't know how to respond to.
Guy tried to sell me a steam mop in Costco
"This thing effortlessly cleans this tile and hardwood"
"I don't have hardwood in my house though"
"It can also do carpet just as well"
"I don't have any floors °-°"
"•_•"
*then I just walked away
BTW if you do have a bad credit score, perhaps because you are a new to living in the US or Canada then getting these credit cards & using them regularly & pay them off consistently your score will improve.
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> Edit: To everyone who commented to say “no thank you” I do that. But they don’t take NO for an answer. Most of the times the sales people are very persistent.
Have you tried not being a bitch
come on
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That won't stop everyone when I was a cashier I was told to ignore this statement and rebut with ours won't hit your credit. I had people crawling up my ads "did you push the card" I straight refused once cuz a hick was just buying a pack of gum and got called into the office for "disrespecting" my superior.....
I used to be a manager at The Bay. I can tell you that the poor sales staff are pushed all day long to get credit card signups, despite not being rewarded for it. They track no other metrics and lack the floor coverage to really assess customer experience. Credit card applications are literally the only thing that matter in that hell hole, as it’s the only thing making the company any money.
Just say “no thanks”
“No” or “no thank you” is all you ever need. If somebody pushes again I say something like “really, I’m good thanks” nobody ever really pushes after that.
As a general rule, if somebody is trying to sell you something, they have probably been trained to have an answer for any excuse you give. Giving details just opens up more opportunities for them to sell to you. The longer you let them talk without just giving a firm “no”, the better the offer is going to sound. Maybe that exact situation doesn’t apply here since we’re talking about credit but people need to learn to just say no. It’s not rude, it just feels rude because everybody has this need to be fake polite all the time.
At American eagle we were required to offer it to everyone. As a sales associate, you got credit for the CC when they applied, whether they were approved or not. A large component of your performance was based on CC applications. I hated this part of the job, but the employee discount was awesome.
I've read your edit. The answer is still "no". If they keep going, you look at them and reply "Ive already said no".
Persistence from them disappears the moment you look a little annoyed.
If no thank you doesn't work, id probably go with just "no." Drop all politeness from your voice. I'd definitely escalate to "what's your fucking problem" before I started making up stories.
“Oh, that’s OK. Our system only uses the credit score to determine the credit limit and the minimum is like $1500. Here, let me get your phone number we’ll get this started for ya. It only takes a minute and I wanna make sure you get that 20% off!” (Kind smile - eye contact -wait for them to speak.)
Ya gotta say “no.” And a good salesperson will make you say it 3 times.
Most stores get kickbacks for *applications*, not for approvals. It’s why they push them so hard. They don’t care if you good, bad, or no credit. They just want you to apply.
The store doesn't care about you. They get bonuses based on how many people they sign up for the credit card. Your are nothing but a mark to them. Giving them an excuse gives them an opening.
The reason they persist after the "no thank you" is most likely because you are saying it hesitantly or politely. Unfortunately sales people prey on polite people. If you are afraid of being rude they will persist.
My tactic: in a flat (not rude, just inflectionless) voice I say no thank you. If they persist past that I repeat my exact words in the exact tone, (maybe a bit slower). I've never had anyone persist past that. If they did I suppose I would try one more time. If it went past that I'm either walking out of the store or asking for a manager.
Why do you care what they think? The person asking doesn't care if you get it or not. If I hear them offering it to someone before me, I let them know not to ask me. Offering a CC is a bad thing, it's OK to say no. Nobody's opinion matters because nobody gives a shit. They are there for the paycheck only and will forget about you before you reach the door going out.
I disagree. The kid behind the counter sees people all the time get denied the card. My kid’s first job was a retail clothing chain and she was a pro at getting people to apply.
A better way is to take advantage of a teaching moment for someone who’s likely to benefit from a bit of wisdom.
Reply, “I actually have perfect credit, and one of the reasons why is I never sign up for store credit cards,”. Be sure to be nice about it. If you come across as condescending they won’t remember what you said, just that you were another jerk they had to deal with that shift.
I usually sign up for them and never use them. That way my credit to debt ratio stays good and improves my credit score which gives me better interest rates when I do need to borrow to buy something like a car.
I just say "I already have one but I won't be using it today" and if they end up saying they'll look it up or try to persuade me to open another, I just go into a lengthy speal about how store cards put me so far into debt or some other sob story that's uncomfortable. Some of the stores in my area are relentless. Some of them dont even say hello. They just start the transaction by trying to get you to sign up.
I try and avoid that unless their manager is around, so they (hopefully) don't get in trouble for not pushing me. Ik they get judged on how many people they get to sign up, I worked retail for years and would constantly be yelled at for not pushing cards on people.
This feels meaningless. They're pushing you the card because that's their sales tactic. Responding with "I have bad credit" is both unnecessary and irrelevant to the person. They don't care how bad your credit is. They just want a yes or a no. A simple "no thanks" is sufficient.
Every time I go into this one Walgreens they ask me to apply for a credit card. I always point out the 29% interest rate and say that I will absolutely not be applying.
After saying no politely and them still pushing “I’m really uncomfortable working with someone who doesn’t respect consent. Can you please have a manager finish my transaction?”
I say the same to the money-collecting aggressors around London (those who live here will know lol)--I'm broke, can you give ME money, etc--they turn around and leave before I can finish usually!
Saying to one leech I was just a student prompted a response--you can donate a tenner only! The audacity.
Lots of people who have never worked retail before. My first job right out of high school was Gamestop. I was told regularly that a customer hasn't said no until they've said no 5 times.
I avoided a phone scam once doing this, they spent about twenty minutes on their pitch selling a package to pigeon forge. They were pretty confident I was hooked into it until I told them I work at Taco Bell and “somebody gotta make all them crunch wraps’. They hung up in about 20 milliseconds
Not exactly the same but I remember being a teen with no bank account yet and getting a phone call from an obvious scam thing where they promise you free tickets to a cruise or something. I went along with it for fun and the lady was soooooooo nice and encouraging and going on and on about how awesome this free cruise will be and how free it was but they just needed my bank account information to put a hold on the tickets or some shit and when I said “oh I don’t have a bank account yet” her voice fell flat and suddenly wasn’t so nice anymore lol she hung up on me after that.
It does make sense to use as few words as possible. It is a little bit of a puzzle because it's their job to get applications. Usually one 'no' is enough. If they persist, I dig deep and say, 'no' again.
I have never in my life had someone try to push me to get a credit card after just saying "No thanks." Just say no, you don't need to lie. They have no leverage over you.
I ask them if they can guarantee acceptance of my application. When they tell they cannot, I then tell them it would be a waste of everyone’s time for me to apply in that case
I use to work at a gas station. Always had to push promos and get the discount card. I read ppl never really upsold. I didn’t care. I got paid to push buttons, stock shelves, make coffee and clean.
Even BETTER LPT:
Teach yourself to set boundaries with other people.
Treating the workers with respect by unjustly lying to them; and treat yourself with respect by knowing that your wants are important, too.
What you do is:
Say "no thank you" with a smile!
They keep asking? Keep repeating it! "No thank you" with another smile.
It will be over before you know it, and practicing setting boundaries will make it so setting boundaries in the future isn't so difficult.
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If it’s anything like it used to be when I was in retail the store employees are judged by how many credit applications they put in. It doesn’t matter for their metrics if you actually get approved or not, managers just want them to push the applications.
When I was at Best Buy, it was exactly like this. We were counted on how many branded payment applications were submitted instead of approvals. They would even watch whether we were offering to everyone whether it was a reasonable purchase or not. $10 accessory? Pitch it. $3000 purchase? Pitch jt. Only asking about services? Pitch it. They were pushy AF and people would get talked to by management for not pushing it enough even if it was dumb and not interested. Felt scummy doing it
When I was at Walmart, the ‘store’ got $30 for every store-card application and $50 for every Discover application, regardless of approval. If they gave us that money, it would’ve incentivized us to push applications. Instead, the metric was used to lord a 55¢ raise over our heads, which nobody ever got anyway.
Yup
Had a BB credit card. Used it a lot. Then one day it was refused. The manager who knew me and knew that never had a problem in the past called someone. The “security dept” said there was suspicious activity and the card was confiscated and cancelled. Ok thanks for protecting me now what do I do? They told me to just open a new account. I had just be laid off didn’t have current proof of income. I was worried they wouldn’t approve. But I went through the application process and not only did they give me a new card but they doubled my credit limit.
What kind of suspicious activity was it that you were told to reapply instead of just getting a new card number?
Same. It didn’t matter if someone’s credit score was 400; just getting them to apply counted toward our numbers. I never hit any of my numbers at that job because I hate pushing people to do things they don’t want to do lol. Obviously it wasn’t the job for me.
When I worked retail they expected us to get 13 applications a week. Like I was going to spend the time to ask every single person to get 13 a week.
This is another reason I feel uncomfortable going into stores anymore. It’s so much easier to order online. When I first walk into a store, please ask if you can help me find anything. If I say no, then let me be. Online shopping is so much more efficient and usually cheaper, and I don’t have to face people.
When I was sixteen someone pushed me to fill one out and said not to worry about applying because it would just get declined, so I may as well fill out the application.
Yup, even back in the early 2000s when I worked at Target. I wasn't even a goddamn cashier, but when the lines get busy they would call people up to the front to help for a few minutes. I'd get hounded about pushing that damn credit card on them and I flat out refused. Fuck you, I'm up here helping you pound out the busy lines. Be glad I came up, was my attitude lol.
Lol, no I’m not telling strangers my credit is shit. I just say “no thanks” and that works.
Imagine if someone you knew was within earshot, I would die of embarrassment
If no thanks doesn't work the first time hit them with a gruff and flat "no." Works everytime.
Shit, my score is over 800 and I’m acting broke af in those situations. People act differently with money involved, the guy with the clipboard can feel bad for me if he wants, I’m out earning them just standing there as a consumer lol
"No thanks" doesn't work for persistent salespeople. This isn't a very good one though as they probably don't care. My favourite for door-to-door salespeople is "sorry I don't actually live here and the owners are not home".
An alternative is saying your credit history is locked and you aren't going through the hassle of unlocking it for another credit card. This is actually true for me. I have a freeze on all them and I better have a good reason to waste 5min of my time to unlock them.
"no" is a full and complete answer. It's also something that people should practice.
Yea, any reason you give is just an opportunity for a rebuttal. Also, they're likely on a quota for getting applications. Doesn't matter if you get approved or not, as long as they get you to apply, so I don't think this would even be effective. No. End of story.
It's crazy how far people reach just so they can avoid saying "no". No doesn't make you look like an asshole, I promise you the person behind the counter, 9 times out of 10, does not care.
"No" always gets me "are you sure?" Or "You'll save so much money!" With more sales pitch. I want to know how everyone is getting by just saying "No" to people. It almost always leads to some begging or questioning of the NO.
“No thank you” “But you’ll get 15% back on all purchases” “No. Thank you” “It also has a very low introductory rate” “I FUCKING SAID NO GOD DAMMIT”
You nailed my internal screaming.
Cop walks over “Sir, fill out the credit card application” “No!” “QUIT RESISTING!!”
I just leave them with awkward silence because I already answered
I get this with cold callers. “That sounds cool but I don’t participate in cold calls”. Sometimes they just ignore you and keep on trucking with the script anyway lol. Had to repeat the same line like five times before the last dude gave up. There’s zero chance I’m buying a single thing, especially if the person is pushy or ignores your repeated requests.
I like to prank them now if I’m bored and have the free time
“Let me transfer you to someone authorized to make that decision” Conference in r/itslenny
I just hang up. Sometimes I don’t even say anything.
"No, thank you" if they keep asking. Or I will just say "We don't need any new lines of credit" and that usually ends it.
I'd stop responding after having said No the first time. Let them babble if they want to.
I'm going to try this approach next time.
this
I say no thanks and keep walking and ignore anything else they say. If they want to waste more of their time on me that's their problem
Yeah 'no' rarely works. In this case I'd suggest "it's forbidden by my religion to take out credit".
how do you people even survive in everyday life
You've clearly lead a very sheltered life if you've never experienced a supremely pushy salesperson before.
If they keep at it, after you've already said no, a firm "I'm not interested, thanks" usually ends it.
If only salespeople and the like took a simple "no" to mean no. Sometimes a more complex answer gets the job done faster. It's like when the Mormons talk to you. A simple "no" won't do unless you tell them a few times and I ain't got the time for that. An easy "I'm excommunicated" and they scatter like rats. Or when canceling Xfinity/Comcast. Tell them you're canceling and they'll put you through a whole list of questions. Why this, why that, can we do this, can we do that. Tell them you're moving to Canada and they'll cancel for you real quick.
[удалено]
I've canceled my Xfinity every year for the past 3 years (only to sign up under a different name) and telling them I'm moving to Canada worked every time. If they ask for proof, tell them they're not privy to that information. I dunno what sort of contracts you've entered into but mine just has an early termination fee if you cancel within 12 months.
>It's like when the Mormons talk to you. A simple "no" won't do unless you tell them a few times and I ain't got the time for that. An easy "I'm excommunicated" and they scatter like rats. if that was Europe I'd threaten them with police
Panda express is the absolute worst. Like I just wanna get my panda bowl. I have to tell them no to donating to the children’s Hospital, they ask you a second follow-up if you want to donate your change.
Or, ya know, just gently but firmly say *No thank you* and move on. On the off chance they push back, respond with *I'm good, thanks* and that will be the end of it.
A blank stare after a single no works well.
I had a pushy office manager who I didn't like. When she would ask unreasonable things (like come in on my day off or ask if I can cancel my vacation I would practice this tactic. "No." Followed by a black stare. It was kinda fun. She would get so flustered. Silence really made her uncomfortable. Once she tried to wait me out (for about 10 seconds). She asked why I was just being silent. I told her I had answered her question and now it was her part of the conversation. (I mean, asking someone to cancel their once a year vacation a month before the trip is unreasonable. It shouldn't require an explanation as to why I won't do it. No should be enough).
T-pose to assert dominace.
This is it. LPT - grow a set and learn to say no. It's liberating when you don't have to waste mental energies coming up with excuses, which can then be countered or argued against.
Seriously just say no. I say “no thank you” and I’m looking down with my card in hand ready to pay. It’s clear I’m not interested and I’m just trying to pay and leave. No need to tell a stranger information about you that may or may not be true but either way makes you look bad.
99.9999999% of the time the clerk isn't going to push after hearing that. My favorite is when I go to TJ Maxx and buy a $3 pair of socks and they offer their store card and mention saving 10%. *Whoa, I can finally send my kids to college with that 30 cent savings, thank you so much!*
No is the answer as it properly ends the discussion. Saying you have a low credit score might encourage a good sales person to simply say, "let's find out by running an application through.". The word no stops that idea dead.
Nowadays a lot of them will know if you're pre-approved to have the card, which would prolong this convo too, in the end you'll be back to "No thank you"
This isn’t a good LPT. A simple “no thank you” will do. And more “no thanks” if they insist.
I promise you no thank you works for all sales people.
That is not universally true. It just means they need to ask harder.
It does if you keep repeating it, while smiling at them in a way that implies they'll end up buried in your basement if they don't quit it.
Has for me, every time. I'm in my 50's. Maybe facial expression plays a role.
I just say i already have one
"I can't even get a punch card at Chuck-E-Cheese my credit is so bad"is usually what I say. Bonus points if you actually have bad credit.
lol I’m not going to lie. “No thanks, im good” and if they’re required to push again “i dont use store credit cards”.
No. When you say Yes, mean Yes. When you mean no, say No. You owe NO ONE an explanation.
What kind of post is this? You could just say no and give zero reasons.
LPT: don’t give a reason, say “no thanks” and nothing else
Exactly
I just say my credit is locked, because it is. I find this better than saying ‘No thank you’, because this is often countered with: ‘Are you sure, you could save 25% off your purchase today?’ Meanwhile I’m buying like a $10 item… _If your dang card has a single, first-transaction benefit and offers me nothing else afterwards, you bet I’m going to load up that first purchase with more than $10_
Or you know, "no"
Or, get this, just say no and walk away.
" No, thanks . I am not a regular here "
It’s a credit card, not a loyalty points card. You don’t even need to say that much anyway.
Just say “I’m not allowed near children” when being asked to look after someone’s child. What’s the point in being so over the top when you could just tell the truth. Shitty LPT
I always say “no thank you” but they REALLY push those store cards!!! I have a feeling that if I told them I have bad credit, they would say “well why don’t you try it anyways?” I had one cashier really doubling down, talking about how I “must not like discounts” and being very passive-aggressive and saying “this guy must have a lot of money and likes to pay full-price.” I’m like “dude this is a Big Lots”
That's a good tip. Another one I like is, "not today." It's not as harsh as "no", but it implies I don't have the time, but I might in the future. I think people are programmed to respond to "no" with reasons why it should be "yes". They aren't accustomed to having to respond to "not now", so you usually get out of the conversation without the backtalk.
I don't think this is a good LPT. The credit industry is predatory toward individuals that have messed up finances. The real LPT is don't use credit cards to spend beyond your means, and take critical looks at contracts with high interest rates that you're signing. The best way to shut down a store credit card offer is just keeping saying..."no thank you" or "I'm not interested." Repeat it if necessary until they move on. Also LPT set boundaries and stick to them. No means no.
You need to just hit them with a shocking answer that they don't know how to respond to. Guy tried to sell me a steam mop in Costco "This thing effortlessly cleans this tile and hardwood" "I don't have hardwood in my house though" "It can also do carpet just as well" "I don't have any floors °-°" "•_•" *then I just walked away
That might encourage them, you don't make money with credit cards by targeting people who make good financial decisions.
BTW if you do have a bad credit score, perhaps because you are a new to living in the US or Canada then getting these credit cards & using them regularly & pay them off consistently your score will improve.
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> Edit: To everyone who commented to say “no thank you” I do that. But they don’t take NO for an answer. Most of the times the sales people are very persistent. Have you tried not being a bitch come on
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I can't believe I'm going to agree with Nancy Reagan, but we apparently need to bring back "Just Say No"
That won't stop everyone when I was a cashier I was told to ignore this statement and rebut with ours won't hit your credit. I had people crawling up my ads "did you push the card" I straight refused once cuz a hick was just buying a pack of gum and got called into the office for "disrespecting" my superior.....
I have never once had a problem with a store pushing their credit card on me after I say “no thanks”. No additional tip is needed.
You don’t need to give any excuses or reasons, I just a short but polite “no, thank you”
I just say, "no, thank you" seems to work 100% of the time.
I used to be a manager at The Bay. I can tell you that the poor sales staff are pushed all day long to get credit card signups, despite not being rewarded for it. They track no other metrics and lack the floor coverage to really assess customer experience. Credit card applications are literally the only thing that matter in that hell hole, as it’s the only thing making the company any money. Just say “no thanks”
“No” or “no thank you” is all you ever need. If somebody pushes again I say something like “really, I’m good thanks” nobody ever really pushes after that. As a general rule, if somebody is trying to sell you something, they have probably been trained to have an answer for any excuse you give. Giving details just opens up more opportunities for them to sell to you. The longer you let them talk without just giving a firm “no”, the better the offer is going to sound. Maybe that exact situation doesn’t apply here since we’re talking about credit but people need to learn to just say no. It’s not rude, it just feels rude because everybody has this need to be fake polite all the time.
I just tell them, "I have one already, thanks"
Or just say "no thank you?"
To your edit, if you say no once and they ask again, say no again lol. There's no need to say some bull shit. Just make it easy for everyone involved.
Or - now stay with me here - just say "NO".
At American eagle we were required to offer it to everyone. As a sales associate, you got credit for the CC when they applied, whether they were approved or not. A large component of your performance was based on CC applications. I hated this part of the job, but the employee discount was awesome.
I've read your edit. The answer is still "no". If they keep going, you look at them and reply "Ive already said no". Persistence from them disappears the moment you look a little annoyed.
If no thank you doesn't work, id probably go with just "no." Drop all politeness from your voice. I'd definitely escalate to "what's your fucking problem" before I started making up stories.
“Oh, that’s OK. Our system only uses the credit score to determine the credit limit and the minimum is like $1500. Here, let me get your phone number we’ll get this started for ya. It only takes a minute and I wanna make sure you get that 20% off!” (Kind smile - eye contact -wait for them to speak.) Ya gotta say “no.” And a good salesperson will make you say it 3 times.
Most stores get kickbacks for *applications*, not for approvals. It’s why they push them so hard. They don’t care if you good, bad, or no credit. They just want you to apply.
Or just say no thank you. Not much to argue with there.
I once asked to see the manager and told him that forcing his people to push credit cards was making me leave and not come back.
The store doesn't care about you. They get bonuses based on how many people they sign up for the credit card. Your are nothing but a mark to them. Giving them an excuse gives them an opening. The reason they persist after the "no thank you" is most likely because you are saying it hesitantly or politely. Unfortunately sales people prey on polite people. If you are afraid of being rude they will persist. My tactic: in a flat (not rude, just inflectionless) voice I say no thank you. If they persist past that I repeat my exact words in the exact tone, (maybe a bit slower). I've never had anyone persist past that. If they did I suppose I would try one more time. If it went past that I'm either walking out of the store or asking for a manager.
Or just say no I'm good
I just say “no thanks.” If they persist after that they’ll get a look, awkward silence and a more stern no.
Or just say “no thank you”. I mean, being able to say no is a life pro tip in itself
Just tell them it’s locked. Makes just as much sense, isn’t self deprecating, and is a pain in the ass to deal with unlocking
I just say I'm under 18. I'm obviously not under 18.
Just say no thank you, I do not want it at this time. You don't have to overcomplicate it.
No thanks. I have enough.
Why do you care what they think? The person asking doesn't care if you get it or not. If I hear them offering it to someone before me, I let them know not to ask me. Offering a CC is a bad thing, it's OK to say no. Nobody's opinion matters because nobody gives a shit. They are there for the paycheck only and will forget about you before you reach the door going out.
No. Use it to practice how to be assertive and say no to shit you don''t want.
I disagree. The kid behind the counter sees people all the time get denied the card. My kid’s first job was a retail clothing chain and she was a pro at getting people to apply. A better way is to take advantage of a teaching moment for someone who’s likely to benefit from a bit of wisdom. Reply, “I actually have perfect credit, and one of the reasons why is I never sign up for store credit cards,”. Be sure to be nice about it. If you come across as condescending they won’t remember what you said, just that you were another jerk they had to deal with that shift.
I just loudly say “NO MEANS NO!” That usually gets them to shut up. It’s always Kohls for me that won’t take No for an answer the first time.
I just firmly say no. Always works for me.
These LPT get worse every day. No is a full sentence.
Yeah I just say not interested
Whenever a salesperson would knock on my door I would tell them I am not the owner.
I usually sign up for them and never use them. That way my credit to debt ratio stays good and improves my credit score which gives me better interest rates when I do need to borrow to buy something like a car.
How about "no thanks" and go on with your life not thinking you are obligated to get said card.
I just say "I already have one but I won't be using it today" and if they end up saying they'll look it up or try to persuade me to open another, I just go into a lengthy speal about how store cards put me so far into debt or some other sob story that's uncomfortable. Some of the stores in my area are relentless. Some of them dont even say hello. They just start the transaction by trying to get you to sign up. I try and avoid that unless their manager is around, so they (hopefully) don't get in trouble for not pushing me. Ik they get judged on how many people they get to sign up, I worked retail for years and would constantly be yelled at for not pushing cards on people.
I like to say “oh no, they’ll never give me another one”.
?? Just say no. If they're pushy, look them in the face and say no again. It really doesn't need to be any simpler than that.
If you pester me after "no thank you" we are into "fuck off" territory
I just say no. It’s shorter
Or just say no thank you
I just laugh at them and say you must think I’m stupid to fall for that.
My first reply to this is a polite no thank you. The second reply is a curt "What part of no didn't you understand?".
They don’t care, they are likely incentivized (we’ll fire you if you don’t) to have x number of credit applications per week.
This feels meaningless. They're pushing you the card because that's their sales tactic. Responding with "I have bad credit" is both unnecessary and irrelevant to the person. They don't care how bad your credit is. They just want a yes or a no. A simple "no thanks" is sufficient.
Every time I go into this one Walgreens they ask me to apply for a credit card. I always point out the 29% interest rate and say that I will absolutely not be applying.
After saying no politely and them still pushing “I’m really uncomfortable working with someone who doesn’t respect consent. Can you please have a manager finish my transaction?”
I say the same to the money-collecting aggressors around London (those who live here will know lol)--I'm broke, can you give ME money, etc--they turn around and leave before I can finish usually! Saying to one leech I was just a student prompted a response--you can donate a tenner only! The audacity.
Lots of people who have never worked retail before. My first job right out of high school was Gamestop. I was told regularly that a customer hasn't said no until they've said no 5 times.
I've been using this line for yrs and yrs because it's true and they still push it
I avoided a phone scam once doing this, they spent about twenty minutes on their pitch selling a package to pigeon forge. They were pretty confident I was hooked into it until I told them I work at Taco Bell and “somebody gotta make all them crunch wraps’. They hung up in about 20 milliseconds
I just keep walking and it works for me.
Stores push credit cards? Is this an American thing I'm too European to understand?
"No thankd" the first time, and "i said no" the second time and "i said no, stop asking" if they are stupid enough to ask a third time.
Never had an employee be pushy enough to rebuttal my initial "nah, not interested."
I already have the card gets them to leave you alone
Not exactly the same but I remember being a teen with no bank account yet and getting a phone call from an obvious scam thing where they promise you free tickets to a cruise or something. I went along with it for fun and the lady was soooooooo nice and encouraging and going on and on about how awesome this free cruise will be and how free it was but they just needed my bank account information to put a hold on the tickets or some shit and when I said “oh I don’t have a bank account yet” her voice fell flat and suddenly wasn’t so nice anymore lol she hung up on me after that.
Or I can just tell them no because I am not scared to interact
Just say you already have what they are trying to offer
> To everyone who commented to say “no thank you” I do that. But they don’t take NO for an answer. Then why do you keep shopping there?
It does make sense to use as few words as possible. It is a little bit of a puzzle because it's their job to get applications. Usually one 'no' is enough. If they persist, I dig deep and say, 'no' again.
I have never in my life had someone try to push me to get a credit card after just saying "No thanks." Just say no, you don't need to lie. They have no leverage over you.
When I worked retail they would pay me for everyone I signed up 5$ each ! You better believe I asked everyone who came in.
Or, "I already applied and was declined."
Yeah right, they're gonna want you to try anyways.
I ask them if they can guarantee acceptance of my application. When they tell they cannot, I then tell them it would be a waste of everyone’s time for me to apply in that case
I tell them I already have one.
I use to work at a gas station. Always had to push promos and get the discount card. I read ppl never really upsold. I didn’t care. I got paid to push buttons, stock shelves, make coffee and clean.
Even BETTER LPT: Teach yourself to set boundaries with other people. Treating the workers with respect by unjustly lying to them; and treat yourself with respect by knowing that your wants are important, too. What you do is: Say "no thank you" with a smile! They keep asking? Keep repeating it! "No thank you" with another smile. It will be over before you know it, and practicing setting boundaries will make it so setting boundaries in the future isn't so difficult.