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How to get 4 sets of packing cubes from Ikea for $8 delivered (CC sign up FICO 505)

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If you sign up for the Ikea Visa, you get $25 credit first use (must be same day as sign up) and free shipping till Aug 31st.
So in theory one could sign up, buy one set, have it shipped for free, get $25 credit, order 3 more sets, have them shipped for free, and end up with 4 sets delivered for $8.
folks with poor credit who can't get better cards. Minimum FICO 505.

http://<br /> https://m.ikea.com...177/<br />
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Our community has rated this post as helpful. If you agree, why not rep shhaggy?
#2
This is dumb. There is a value associated with signing up for a credit card, and $25 is extremely small. We've seen credit cards on here with bonuses and perks as high as $1,650. Many of them have 100k point offers. There're frequent 50k point offers. You're settling for $25? Waste of time.
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HIDDEN
07-19-2018 at 07:57 AM
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#4
You should never sign up for a credit card you do not need. Not only does it increase the likelihood of running up credit card debt, but it will result in a hard pull on your credit and you will take a credit hit.

If you intend on doing something like this, you should at least ensure you are compensated like $300 to $500 to offset the negatives. You should seriously try to limit yourself to two credit cards.
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HIDDEN
07-19-2018 at 08:02 AM
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#6
So you're encouraging people with poor credit to sign up for a new card.

.....

"My credit score is in the toilet but I'm going to open a NEW card and use it to get $50 worth of stuff for $8!"

This is not a slickdeal, man, sorry.
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HIDDEN
07-19-2018 at 08:06 AM
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#8
Quote from Horndog69
:
You fail to mention the value to free shipping from Ikea for more than a month, that has serious value and is rare indeed from Ikea.
Also, folks can get accepted for this card with as little as a 505 FICO. For "poor and fair credit" people, the rewards you mention are unattainable.
Your comment is useless to anyone who doesn't have excellent credit.
Actually, his comment is completely valid, and yours are the ones that are misguided. If you're talking about a slick deal involving credit cards, this is far from it.
Your argument about having a 505 credit score? You can get a discover card with that same credit score, and get double cash back for a year, with 5% quarterly cash back categories, which easily trumps the $25 and free shipping from this crappy card.
And that's just one cash back option for a credit card.
If you think this is a good deal, you really need to learn more about starting consumer credit cards, as at its best, you are still sacrificing at least a few hundreds of dollars in cash back a year (groceries, department stores, gas, etc costs), but furthermore, you are severely limiting your credit slickdeal capabilities by wasting a hard pull on this.
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#9
Quote from AJDemineh
:
Actually, his comment is completely valid, and yours are the ones that are misguided. If you're talking about a slick deal involving credit cards, this is far from it.
Your argument about having a 505 credit score? You can get a discover card with that same credit score, and get double cash back for a year, with 5% quarterly cash back categories, which easily trumps the $25 and free shipping from this crappy card.
And that's just one cash back option for a credit card.
If you think this is a good deal, you really need to learn more about starting consumer credit cards, as at its best, you are still sacrificing at least a few hundreds of dollars in cash back a year (groceries, department stores, gas, etc costs), but furthermore, you are severely limiting your credit slickdeal capabilities by wasting a hard pull on this.
You are way off bro on the FICO needed for that discover card (700), according to this:
https://wallethub.com/answers/credit-score-needed-for-discover-card-2140658738/
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#10
Quote from Horndog69
:
You fail to mention the value to free shipping from Ikea for more than a month, that has serious value and is rare indeed from Ikea.
Also, folks can get accepted for this card with as little as a 505 FICO. For "poor and fair credit" people, the rewards you mention are unattainable.
Your comment is useless to anyone who doesn't have excellent credit.
There are a great many cards available out there for people with poor credit. But in any case, if you have a 505 credit score and would open a card for this purpose, it becomes entirely obvious why you have a 505 credit score. People who have bad credit scores especially should not open cards just to save a few bucks on an order. They should re-assess their money situation on a larger level to build their score back up, not open a new line of credit to save 25 dollars or so. My comment is not "useless" to people who don't have excellent credit, it's a farking roadmap to excellent credit, and the kinds of cards that can offer thousands of dollars in rewards every year.

Agreeing to open a line of credit is a resource that you own and should be compensated for. You are wholly unaware of the value of that resource and are advocating giving it away.

PS- lmao at free shipping having "serious value". Ikea will ship any non-large items for about 9 bucks. You are orders of magnitude off from what you should be looking for in a credit card bonus.
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Last edited by shhaggy July 19, 2018 at 08:19 AM.
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#11
Quote from Horndog69
:
You are way off bro on the FICO needed for that discover card (700), according to this:
https://wallethub.com/answers/cre...140658738/
No, I'm not, bro. Read what you just linked, a little more carefully. Specifically the second and third sentences.
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#12
Quote from AJDemineh
:
No, I'm not, bro. Read what you just linked, a little more carefully. Specifically the second and third sentences.
So, you are advocating getting a secured card? Or a student card?
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#13
Quote from Horndog69
:
Yes, if you cannot control yourself.
I have several ccs with a zero balance that cost me nothing. My FICO is fine. YMMV depending on your self control lol.
i sign up all the effing time for cards for the rewards.. i still dont spend money that i don't have.. if i dont have $2000 cash in my bank account ready to pay for a card then i dont rack up $2000 worth of card debt... simply common sense.. most of you guys dont get it and believe credit cards are just free money.. the only thing that sucks is that promotional cards require a period of time before you can reapply for another promo card
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Quote from shhaggy
:
There are a great many cards available out there for people with poor credit. But in any case, if you have a 505 credit score and would open a card for this purpose, it becomes entirely obvious why you have a 505 credit score. People who have bad credit scores especially should not open cards just to save a few bucks on an order. They should re-assess their money situation on a larger level to build their score back up, not open a new line of credit to save 25 dollars or so. My comment is not "useless" to people who don't have excellent credit, it's a farking roadmap to excellent credit, and the kinds of cards that can offer thousands of dollars in rewards every year.

Agreeing to open a line of credit is a resource that you own and should be compensated for. You are wholly unaware of the value of that resource and are advocating giving it away.

PS- lmao at free shipping having "serious value". Ikea will ship any non-large items for about 9 bucks. You are orders of magnitude off from what you should be looking for in a credit card bonus.
I've been looking into credit for my kid, who wants a card and has a 505. She is smart enough to not make the same mistakes which got her to 505. There is no way she is eligible for the cards you talk about, she is not in school, and secured cards suck.

Rather than spiteful comments and generalities about unattainable cards and vs like "she shouldn't get a card in the first place" I'd like to hear SPECIFICALLY which cards would work for her.
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#15
Quote from Horndog69
:
I've been looking into credit for my kid, who wants a card and has a 505. She is smart enough to not make the same mistakes which got her to 505. There is no way she is eligible for the cards you talk about, she is not in school, and secured cards suck.

Rather than spiteful comments and generalities about unattainable cards and vs like "she shouldn't get a card in the first place" I'd like to hear SPECIFICALLY which cards would work for her.
What why do secured cards suck?
It sounds like your "child" was pretty irresponsible and made some pretty dumb choices.
Your "child" also sounds to be old enough to be an adult, as he/she isn't in school, and already tanked their credit. (Discover is the most recommended card for high school and college students due to their high cash back features).
So being irresponsible and not fiscally smart, I see no reason why you wouldn't want them to get the discover it secured. That's one of the reasons it was made. Also, It has 2% cashback on gas and restaurants, 1% all other categories, and all earned cashback is still doubled at the end of year.
Discover secured also allows you to upgrade to a real credit card after only 7 months, which means you can still take advantage of double cash back for the other 5 months( realistically 4, product change usually takes place after the next statement).
Clearly you have NO idea about credit cards beyond what you read and hear from sales reps.
Google reddit r/churning and flyertalk credit cards and learn a bit.
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