On this Mahalo page you will find information on how to get a Boscov's credit card.

Boscov's is named after its founder Solomon Boscov whom opened the first Boscov's department store in 1911. The small store was located in Reading, Pennsylvania and was quite successful to the point where Solomon expanded it year after year. In 1954, Solomon's son Albert and son-in-law, Edwin Lakin joined the company and not long after, the company expanded some more by opening more branches. Today there are 40 Boscov's department stores spread throughout Pennsylvania, New York, New Jersey, Delaware and Maryland. Boscov's is a full service department store that sells men's, women's, and children's apparel; shoes; jewelry; appliances;toys; housewares; cosmetics; stationery; and sporting goods.http://www.fundinguniverse.com/company-histories/Boscovs-Department-Store-Inc-Company-History.htmlhttp://www.boscovs.com/static/about_boscov/history.html

Boscov's department store offers one credit card to consumers. This card comes with various benefits that will be summarized further down on this page. Store credit cards are generally easier to get approved for then regular credit card. However, many people overlook the fact that store credit cards often have high interest rates and that applying for a credit card will show up as an inquiry on your credit report. Having a Boscov's store credit card can come n handy when you don't have money readily available, but you want to make sure that you can afford the card. Whether you apply for the card to enjoy the many benefits or whether you apply in an attempt to build your credit, you always want to make sure to go over any small print and the terms and conditions that come with the card. This way you will not be unpleasantly surprised when you get your first credit card statement.http://www.jsnet.org/news-article/pros-and-cons-of-store-credit-cards//ref.

On this page you will find detailed information about how to go about applying for the Boscov's credit card. You will also learn about the card benefits and terms and conditions. Hopefully this page will come in handy when trying to decide whether a Boscov's store credit card is the card for you.

The first step towards getting a Boscov’s credit card is applying for the card. You can do this in various ways. You can go on the boscovs.com website and fill out the online application or you can apply in the physical Boscov’s department store. Some factors that might prevent your application from getting approved include:

• ■ If you have filed a bankruptcy in the last 10 years.
• ■ If you had delinquent or past due accounts that were never paid.
• ■ If you experienced credit problems in the past 7 years.

You will have to disclose some personal, financial and professional information on the application for the Boscov’s credit card. The information you enter on the website is secured and all your information will remain confidential. The following information is requested on the application:

• ■ Your full name, address and phone number
• ■ Your email address
• ■ Your date of birth
• ■ Your social security number
• ■ Your employment status
• ■ Your annual income
• ■ Whether you have a checking/savings accounthttps://www.esnapw.com/rses/ESnapServlet

After filling out the application you will have to agree to the terms and conditions that are set by the card issuing bank, in this case HSBC Bank Nevada. More detailed information on the terms and conditions will follow below. It takes about 60 seconds for the application to get a result. If you are approved for a Boscov’s credit card you will receive your card within 7 -1 4 days. Because you don’t receive your card right away, you can still start using your card holder benefits immediately,. You just have to use a form of ID such as your driver’s license to identify yourself. If an immediate decision about your application has not been made, you can go on the Boscov’s website at a later date and use the online application inquiry link for more information. Sometimes it’s required that you provide additional documentation to confirm your identity.https://www.esnapw.com/rses/ESnapServlet?ProgramName=null&MerchantNumberSent=01000&LanguageIndicator=en&userOptForDual=N&cmd_PopUp=Faqs

Most store credit cards come with very tempting benefits for the card holder. Often you can earn rewards and points that can be redeemed for all kinds of items. This is also often one the reason why people sign up for store credit cards. The Boscov’s credit card is no different. Following you will find some of the benefits of the Boscov’s credit card:

• ■ Upon approval of your credit card application you can save up to 10 percent (a maximum discount of $50) of your total purchases on the approval day.
• ■ There is no annual fee.
• ■ You get to enjoy exclusive events and sales .
• ■ You can use Boscov’s holiday money to purchase items and pay for them at a later date (available September – December).
• ■ For every dollar that you charge onto your Boscov’s credit card you can earn up to 4 reward points.
• ■ Once you’ve earned 500 points or more you will automatically be mailed a Rewards Gift Card Certificate. You will receive the certificate(s) with your February statement each year.
• ■ You can use your Boscov’s credit card in Boscov’s department stores, in the Boscov’s online store and over the phone.http://www.boscovs.com/StoreFrontWeb/CreditCardContent.bos

How many Boscov’s rewards points you are awarded depends on your purchases. Rewards points go by the following schedule:

• ■ If you spend $500 or $1,000 at Boscov’s you get 1 point for each dollar.
• ■ If you spend $2,000 on Boscov’s purchases you get 2 points for each dollar.
• ■ If you spend $3,000 on Boscov’s purchases you get 3 points for each dollar.
• ■ If you spend $2,000 on Boscov’s purchases you get 4 points for each dollar.http://www.boscovs.com/StoreFrontWeb/CreditCardRewardsClub.bos

HSBC Nevada Bank is the bank that issues the Boscov’s credit cards. They set certain terms and conditions that you will have to agree with in order to get your application processed. If you don’t sign off on the terms and conditions your application cannot be processed. The bank basically wants to make sure that you know what fees and charges may apply during the time you have your Boscov’s credit card. You will also find out your interest rate. Make sure to always go over the terms and conditions and any fine print on your application. Try to estimate if you will be able to afford this credit card ahead of time. Following are the key terms that apply to the Boscov’s credit card:

1. Annual Percentage Rate (APR): 21.9%.
2. Other APRs: 25.9%.
3. Annual Fee: $0.
4. Minimum Finance Charge: $1.
5. Late payment fee: $15 - $35 depending on balance.
6. Over limit fee: $0.https://www.esnapw.com/rses/ESnapServlet;jsessionid=0001PKybrWHkfb-mrctjPPasI5v:12ks27458

If you pay off your full balance within 23 days after the billing date you will not get charged any interest.

ONLINE ACCOUNT MANAGEMENT:
One of the benefits of having a Boscov’s credit card is that you can take advantage of the online credit card account management system. Just go onto the Boscovs.com website and log in using a username and password that you will have to set up prior to this. The online account management system is available to you 24/7 and can be accessed right from your home computer. The online account management feature allows you to:

• ■ View statements online
• ■ Pay your credit card bill online
• ■ Look at your account balance, amount due and due date
• ■ View & retrieve your account history
• ■ Go over recent transactions that were made.https://www.esnapw.com/rses/ESnapServlet?ProgramName=null&MerchantNumberSent=01000&LanguageIndicator=en&userOptForDual=N&cmd_PopUp=Faqs