 TITLE: How to Choose a Department Store Credit Card CONTENT: Can I Get a Department Store Card With Bad Credit?\n--------------------------------------------------\nIt may be easier to get approved for a department store card than a general purpose card, particularly if you apply for a closed-loop card. If you're new to credit or rebuilding your credit, one of these cards could be a stepping stone even if you don't frequent the store.\nAlternatively, you can look for a secured card. With a secured credit card, you provide the card issuer a security deposit, which becomes your credit limit. Some secured cards have high fees and, similar to store cards, may have high interest rates.\nKnow that applying for a department store card could initially hurt your credit, as the application will lead to a hard inquiry on your credit report. However, if you make your payments on time and keep your balance low, the card could help your credit in the long run. END