Quote:
Originally Posted by loga0082
The Bay
Silvia Logan
April 17 2015
I use to shop at the Bay a lot, but since three years ago, I did not want to. The two times when I shopped at the Bay three years ago, these two Chinese ladies were pushing me to get an HBC card. They did not want me to use neither Visa nor cash. I had to wait 2 or 3 hours for them to screw around. I just got sick of it. One of the Chinese ladies was also rude to me because I wanted to pay with Visa. She told me you get a reduction. To me, the HBC card is rubbish because in the end one ends up paying 28 or 29% interest which is twice as more than paying with a Visa card. I bought proactive creams there, but the young white guy never pushed me to have a HBC card. Do you have a HBC card? What do you think of this type of card?
loga0082
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If interest rates scare you off, then its probably better to refrain from applying for a new credit card and just pay for what you can afford in cash. In my case, whether its 10% or 40%, makes no difference, since I never pay interest, but I know many people spend more than they can afford, in which case, its best to not give in to such pushy sales people at the Bay. With that said, I did give in a couple years ago to a Sears MC, but this is because its one of the only credit cards in Canada that doesn't tack on an extra few % to the exchange rate when paying in foreign currency, so I use it exclusively as my travel credit card (and for the very rare Sears purchase).
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