The Children’s Place, as the name suggests, is a retail store that sells clothing, shoes, and accessories for children. Their known for their high quality clothing that comes at a price. Parents know the value of good quality clothing but often they have to use The Children’s Place credit card to buy clothing from this store.
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There are several benefits to using the Children’s Place credit card, one of which is the everyday discounts offered to cardholders. Combine that with exclusive bonus offers that come at different times in the year and you could end up saving a lot of money when you shop there.
The Children’s Place Credit Card Overview
This credit card is a department store credit card. What this means is that this is a card that can only be used at The Children’s Place. It is not a bad credit credit card, although you don’t have to have perfect credit to qualify.
Cardholders receive 5% off every online or in store purchase that they make using their card. This 5% discount applies to any purchases, even if you are purchasing clearance items. When you first receive your card, you will get 20% off your first purchase as well.
This card is not a rewards card; you do not get points that you can use for free merchandise. The Children’s Place claims that your savings are immediate so you don’t need to collect points.
The Children’s Place Credit Card Terms
The Children’s Place credit card is offered by Citibank. The terms for this card include:
- 25.99% variable APR
- No annual fee
- Late payment fee of $35
The Children’s Place Credit Card Bottom Line
If you love The Children’s Place and you don’t mind a high interest rate, then this card can represent savings for you, especially if you pay off your debt each month. The downside here is that you can’t use this card anywhere else.
Because of this, you might want to consider a traditional card, such as a Visa or MasterCard. If you are new to credit, you might want to check out MyMoney.Gov to find some tips on managing debt. Also, consider reading Suze Orman’s Identity Protector, free online, to learn how to protect your identity when applying for credit.
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