How can I keep from giving in to a clerk that tries to get me to sign up for a credit card when I know that getting the card will hurt my credit?
It seems like more and more retailers are shoving credit cards down your throat. What's the best response I can give to a clerk when they keep asking me to sign up for a credit card that I don't want that I know will hurt my credit score?
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"I am sorry that your job may depend on closing a certain amount of credit card initiations, but I am far too financially savvy to enter into such a poor deal. Thanks and have a great day."
Or my favorite: "No!" I have a very loud voice so that might help.
"No, thanks!"
You really shouldn't say any more than that to a salesperson because when you give a reason, the next step is to try to talk around that reason/concern. By saying "no" very simply, you end the conversation.
Sometimes people are hard of hearing or don't comprehend "no", so you may have to repeat yourself.
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