Friday, January 20, 2012

Nordstrom Debit Card? Yes Please

Yesterday I went to Nordstrom Rack because that's one of my favorite stores to shop at, and since I haven't been there since October, I was overdue for a visit. I'm one of those girls who once in awhile needs to buy herself some cute and comfortable workout clothes in order to get her motivated to workout. Because really, there's nothing worse than not having enough workout clothes and it becomes a hassle to have to put something together just to go workout. To me this is my last resort, alas, I went for some retail therapy.

As I was checking out, the check out lady tells me about the Nordstrom Debit Card, and at first I was dismissive because I thought she was offering the store credit card, but the more she told me about it, the more I finally understood the concept. Not to get off subject, but I've had my fair share of store credit card nightmares and it began when I started working at Express fresh out of highschool, and I signed up for a store credit card. It took me 7 horrible years to pay that sucker off, and I was so happy to get rid of it, never again! From now on, if I don't have the cash, I don't spend it. 

The Nordstrom debit card basically gives you 2 reward points for every dollar spent, and the total you spend gets withdrawn straight out of your bank account. She said it's just like the Target debit card, but I had no idea Target had one of those babies too! So most likely I will stop by Target this weekend and sign up for the debit card while I'm at it. I hear you get 5% off your purchases at Target. 

I think all retailers will soon come to realize that this is the best way to reward their customers, instead of having us up to our necks in debt, and instead we actually save money based on how frequently we shop as we get the same discounts that the store credit card customers get.

I had spent about $75 yesterday, and the lady looked up my transaction from October and applied around $30 from that order to total it to $100, because when you sign up and spend $100, you automatically get a $20 cash reward to spend at the store. Pretty neat incentive, and I decided to get this gorgeous light tan handbag, that will end up being $10 instead of $30. Love it! Another good thing about the card is that you can use it at Nordstrom, Nordstrom Rack, and Nordstrom online. 

Have you heard of the store debit cards? Do you think this is a no brainer? or a whatever, that's too much hassle, I'll just pay with my regular card, cash or credit.