Menards Card

Pros: Rebate program, coupons and special in-store adds with monthly bill
Cons: Higher interest rate, limited use, but better than most store charge cards

Menards is a large home improvement store in the Midwest in the following states:

IA (Iowa), IL (Illinois), IN (Indiana), MI (Michigan), MN (Minnesota), ND (North Dakota),
NE (Nebraska), SD (South Dakota), and WI...

Pros: i like all the free gifts that come each month with the statements
Cons: having a credit card provider that sucks

menards if your listening please drop retail services they don't care about your customers I'mthinki ...

Pros: coupons and rebates
Cons: Fees and fees and lots of confusion on when your payment is really due

With a Menards store only four miles from our home, we frequently shop their for household items, grocery items, and any home building/remodeling/landscapin g projects we do. A definite convenience, we thought, would be to have a Menards Big Card for o...

Pros: None really, rebate checks aren't any better that regular credit card rebate programs.
Cons: Interest charges, payments are not applied to the proper credit plan.

Menards credit cards are an interest rip-off. We have a Menards Big Card, and we had a Best Buy credit card. Retail Services is the company that handles the credit on those cards. If you have a same as cash purchase and a regular purchase, and the same as cash plan is not due for awhile, extra payments are supposed to go to the regular purchase plan. Most of the time it doesn't. It states on the bill that the payment will go to the plan that is due first, but they constantly reverse payment so they can make the interest off regular accounts. Here is an example. $126.46 same as cash due ($8.34 minimum due, expires 1-9-09). $166.07 regular purchase due ($1.66 minimum due). I paid $175.00 for the regular purchase plus same as cash minimum due. Payment was made as $83.34 for same as cash, and $91.66 on regular purchase. This was done purposely to make interest off of the account. Try to understand anyone in customer service! They can't speak English very well at all! We will be closing this account also. They are crooks!

Pros: Good quality material !!!
Cons: their credit line is nothing compred to Home Depot !!

We love Menards, but we tried to increase our credit line. They increased it 200.00 come on give me a break. we always pay it off in a timely manner. We just got another increase from home depot so it looks like we will be spending our 5000.00 there !! sorry Menards quit being so anal retentive!!!

Pros: Easy to apply, benefits at other locations, 2% rebates, Same as cash offers(deferred 6mo)
Cons: 21+% APR if you dont practice smart financing and spending.

I got the card for 2 reasons:  (1) - They dont take AM/EX and (2) they offerred 6 mo same as cash on purchases totalling $299 or more.

facts from my experience (about 3 mo's owning card) returns are credited immediately and their HSBC based customer service (Angela) were very helpful in correcting an errant promotion on a relatively expensive purchase (saving me alot of headaches).

the $10 store credit rewards are useful, Ive amassed several already in just a few months.

Id give 'em a 9 outta 10 so far.....