 TITLE: Which Store Cards Are Easiest to Get With Bad Credit? CONTENT: How to Use Your Store Card Responsibly\n--------------------------------------\nHaving a store card can make it tempting to spend even more at your favorite stores, but responsible use can help you save money and be good for your credit. Once you have a store card, here are a few things you should try to incorporate into your financial routine:\n*   **Keep track of the fees.** Store cards may charge a variety of fees, including annual, cash advance and foreign transaction fees. Know which fees your card charges and learn how to avoid them, when possible.\n*   **Track your credit utilization.** Maintaining a low utilization ratio on store cards can be especially difficult when the card has a low credit limit. Make a point of limiting how often you use the card or paying down the balance early to keep your utilization ratio low.\n*   **Pay your balance in full.** To avoid interest, it's best to only charge what you can afford to pay off in full by the bill's due date. If you think you may occasionally carry a balance, make sure you understand how much interest you'll pay.\n*   **Continue comparison shopping.** While store cards may offer rewards on purchases at the associated store, don't assume that means you're always getting a good deal. Buying a product for $100 and earning 5% cash back is still worse than getting the same item for $90 elsewhere. END