I was in NYC at the TRU in Times Square. Let me preface the situation by saying that I have prestine credit, lived in my home (that I own) for over 2 years, and had the same job for the last six years. Haven't applied for new credit in a while either. I even have a service to check my credit once a month. I wanted to buy the Disney pink laptop for my child while I was there.

The store clerk was nice. He asked if I would like to save 10% buy applying for a store card. I have been offered this by many stores, but always turn down the offer. However, this was a 350.oo purchase so I thought, "okay. 35.00 isn't a bad savings."
I give him my info. We wait a minute. Then he informs me that I was not approved because of some "verification issue". I was embarrassed to say the least...being turned at Toys R Us for store credit? Not to mention the other people standing in line and around me witnessing the event.

I let it go to a certain extent because I used my Amex instead. He handed me a brochure and said I could contact "Chase" to see what the problem might be. "Chase?" I thought, "I have a Chase credit card too." Strange...

So, two weeks go by and guess what I receive in the mail? A Toy R Us/Chase credit card with a $6000 limit with a $600 cash allowance! I called the NYC store and asked what the discount was again for purchases if you applied in the store. The GM replied VERY specifically that if you are approved "ON THE SPOT" it was a 10% discount. I asked how many customers where approved "ON THE SPOT" and how to find out that information. Of course there was not answer.

However, along with my new credit card I recieved a 10% coupon off my next purchase...how convienent!