It may be helpful to use a store card, where there may be many advantages in doing so. Not only do you get a discount on the first purchase, but there are also usually other benefits, such as bonus reward plans, free catalogs or magazines and special shopping days, where you can avoid crowds and shop safely. Jim Black gives customers 1% of what they spend in the store in the form of coupons, for example, if you're a regular customer, it would be helpful to get them.
Some retailers have launched credit cards along with their store cards, so you get the usual rewards from a store card to spend on your retail credit card. The risk is that while the APR tends to be lower than it is in the store card, it is not as cheap as some of the best credit cards. Since it is not limited to a shop, but you can use it at any store you like, you can enter in more debt than you can afford before. Check APR before spending "If you are not competitive (and do not get rid of your balance every month) do not use it at all.
Set up your direct debit to pay the total amount owed on your store card every month. Then, if you forget to pay a month, "maybe because you are on vacation," you will be paid no matter what interest is generated.
In addition to persuading you to remove a card from the store, many retailers will try to force you to buy a security card. If the card is also protected:
Protect your card: Cover you if your card is lost or stolen. One call can cancel all your plastic and usually cost about $ 7 a month. Payment card protection covers refunds on the shop card if you lose your job or become ill and can not work. You will need to avoid both types of coverage because they are expensive and are usually a waste of money. Do not talk to him to register, no matter what the seller is convincing. If you really want to protect some cards or payments, look for a good offer instead of removing the policy provided by the store card provider automatically: there's no obligation to do so and you'll find a better offer elsewhere.
