If you are considering getting a store credit card, don’t be tempted to sign up at the register just because you want to get a discount on your purchase. Take the time to check out the real benefits of the particular card and compare it to your existing credit card. There are stores that offer their store credit card holders an early access to sales, or 10 percent off on certain days of the week. Generally speaking, look for continued savings and other long term benefits and not just that one-time discount.

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