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The following article was published in our article directory on January 2, 2012.
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Store Credit Cards: Do they Fare Well as Regular and Low Interest Credit Cards?

Article Category: Finances

Author Name: Chickie maxwell

So you may have been doing plenty of online shopping nowadays and you decide to get a store credit card that is unlike your typical low interest credit cards around. Store credit cards are made for shoppers who frequently do marketing in the local stores around or online shopping. The question often asked by store personnel to make you avail of their store credit card runs along the lines of "Don't miss this special offer. Simply apply for our credit card and you will get this regularly" or "You will get a 25% discount on some of our stuff if you sign up for our credit card immediately". The questions are designed to make the customer answer quickly, which is more often a "Yes", but getting a store credit card requires much thought.

Why? Because the benefits and the costs that go along with store credit cards are vastly different from those found in regular credit cards. The benefits that you get vary according to the store; examples are discounts on selected items, gift certificates, free wrapping of gifts , and free items once you earn a set number of credit card points. If you are a regular shopper of that store, you'll get these benefits often enough for you to consider them worth the initial decision to get the store credit card. Another benefit is that you can develop a good credit score using a store credit card. If other credit card companies won't offer you a credit card of theirs because you don't have something to prove your good credit, it is best to start with a store credit card.

However, consider also the costs properly . Your store credit card is very much unlike the low interest credit cards you are yearning for. It's exactly the opposite. Store credit cards are high interest credit cards. Imagine 20%! That level of interest is enough to offset the savings you may get from frequent discounts. Of course, the store isn't sure of your credit record yet (because the store credit card may be the first credit card you possess and so you have no credit record yet) so there are high interest rates, which may deter people who have a history of reckless spending to obtain the credit card. Aside from that, the credit limits of a store credit card are generally lower than those of a regular credit card. That is a safeguard that can again discourage heavy but careless spenders, but something that will become inconvenient once you want to purchase something quite pricey using your card.

Getting a store credit card to aid you in shopping in your locality or in online shopping is always a tough call. The best thing you can do about that is to look at yourself and find out if you can be disciplined enough not to overspend beyond your control. If you can, there's no harm in getting a store credit card. If you can't, then you aren't ready for both store credit cards and other low interest credit cards all around - better change your financial habits first before settling for a credit card, because rash spending will always lead you to mounds of debt, no matter what type of credit card you have.

Keywords: interest credit cards

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