UPDATED March 8, 2018 – Most people use their credit cards to purchase clothing, research shows. It is the top spending category, outpacing the grocery category.
It makes sense for clothing to be a top-spending category if you think about it. People want to look good. Additionally, clothing can be expensive. Paying for clothing using a CC is an easy way for people to finance their lifestyle.
If you are one of the millions of people who rely on CCs to purchase clothing, then you may want to consider Marshall’s credit card.
This off-priced retail store in the United States and Canada is owned and operated by TJX Companies. It’s a traditional department store for people who love branded attire. It gives them the ability to purchase name brand goods at discount prices.
They offer two options: a store-branded card and a Mastercard that can be used anywhere MasterCard is accepted.
Millions of people that have the TJX card that can be utilized anywhere. If you are considering applying for the card, you should consider the following benefits of owning the card.
Make purchases at all TJX Companies’ stores. When you have Marshall’s credit card, you can make purchases using the card at all TJX Companies’ stores, including TJ Maxx, HomeGoods, Sierra Trading Posts, and each of their websites.
Earn rewards as you spend. This account allows you to receive $10 Rewards Certificates when you accumulate 1,000 points. You can also earn points when you use your card to make purchases anywhere else MasterCard is accepted.
Avoid an annual fee by signing up for this account. Unlike other CC’s, you won’t be subject to a yearly fee like the other main CC’s.
There are other benefits exclusive to owning Marshall’s credit card, including exclusive perks and promotions. If you decide to apply for the card and you are approved, you’ll find the ability to use your card anywhere MasterCard is accepted a significant benefit in addition to the exclusive in-store discounts associated with the card.
As you may have guessed, there are some drawbacks to owning this CC. Of course, your perspective matters. Some people may look at these drawbacks as the cost of doing business with this company. At any rate, to choose a card that works best for you, it’s important that you are aware of all aspects of the card.
The interest rate is high. Of course, store-branded CC’s charge higher interest rates than other types of CC’s. Unfortunately, Marshall’s credit card has one of the highest interest rates in the industry at over 27%. With such a high-interest rate, you should keep an eye on your spending to ensure you pay as little as possible in interest rates.
One percent back is low. When you use your card outside of TJX Companies’ stores, you only get 1% back on your purchases. If you compare this to other CC’s, then you’ll see that this is a low cash back rate in the industry.
Rewards Certificates expire. When you earn a Rewards Certificate, you only have two years to use them. Although that may seem like a decent time frame, it’s not. When you are saving your Rewards Certificate for a major purchase, you are always playing beat the clock due to the expiration date.
Managing Your Marshalls Credit Card Login
Having an online account is a great benefit for cardholders. With the ability to access information about your online profile, you can easily remain informed about the status of your card.
After applying for and getting approved, you can access your account information using your Marshalls credit card login. Once you are logged in, you’ll have access to routine activities, including checking your balance, making a payment, and updating your personal information.
You can also use your online profile to review promotions and other perks offered exclusively to cardholders.
If you are a fashion-forward individual, then you may benefit from owning Marshall’s credit card. With exclusive discounts, filling your closet full of name brand clothing won’t break your budget. You can apply for the card online or contact their customer service department at 800-926-6299.
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