When Store Credit Fails: How to Save the Sale and Win the Customer

Store credit cards are a valuable tool for many retailers. They offer customers special deals, loyalty points, and financing promotions. But when a customer doesn’t qualify or walks away due to high interest, it can mean lost revenue for your business.

That’s where CrossCheck can help. CrossCheck is a check guarantee and payment solutions provider that helps retailers complete more sales by giving customers a simple, flexible, and interest-free way to pay, especially when store credit falls short.

When the Perks Come with a Catch

Store cards can help close a sale, but only if the customer is approved and plans to pay off the balance quickly. For those who carry a balance or miss a promotional deadline, interest charges can add up fast. In many cases, these cards apply deferred interest retroactively from the original purchase date, which can leave customers with a surprising and frustrating bill.

And when a customer declines store credit or doesn’t qualify, what is your backup plan?

A Real-World Scenario: Buying Furniture Without the Debt Spiral

Furnishing a home or apartment is no small expense. Whether it's a living room set, a mattress, or a full-room package, customers can quickly run into four-figure price tags. If they end up revolving that balance on a high-interest card, they might spend years paying off their purchase and pay nearly as much in interest as they did for the furniture itself.

Without a better option, you could lose the sale or the customer altogether.

The CrossCheck Alternative: No Interest, No Credit Checks, No Strings

With CrossCheck’s Multiple Check service, you can offer customers a way to complete their purchase without applying for credit or paying interest.

Here’s how it works:

• The customer writes 2 to 4 checks on the day of sale.
• You deposit each check on an agreed-upon date, usually within 30 days.
• CrossCheck guarantees each payment, giving you protection and confidence.

Whether it’s used for a furniture purchase, auto down payment, or tire replacement, Multiple Check helps you say “yes” more often without added risk.

Why Merchants and Customers Prefer It

Multiple Check is popular in industries like furniture, automotive, and tire sales because:

• It helps close more sales, especially when financing is declined
• Customers avoid high-interest debt
• It leads to better customer experiences and more repeat business

When customers can buy what they need without taking on more debt, they are more likely to return and recommend your business to others.

Don’t let store credit rejections cost you the sale. CrossCheck’s Multiple Check service gives your customers a flexible, interest-free way to complete their purchase using guaranteed checks, with no credit checks, no delays, and no added fees.

Schedule a consultation to learn how retailers like you are turning “no” into “yes” and keeping revenue in-house.