 TITLE: What to Know Before Getting a Retail Credit Card CONTENT: They Can Encourage More Spending\n--------------------------------\nStore credit cards can offer great benefits, especially for those who shop at that retailer frequently. These cards usually offer compelling sign-up benefits, and many provide ongoing cash back rewards, special discounts or other exclusive perks. But this can also work against you. Retailers know it's hard to turn down a good deal, so they offer these perks knowing it will likely lure you to spend more at their store. If you already have a tendency to overspend, be wary of store credit cards, since they might encourage you to spend more in pursuit of rewards and discounts. END