 TITLE: What to Know Before You Apply for a Store Credit Card CONTENT: Are Store Credit Cards Worth It?\n--------------------------------\nIt can be tempting to apply for a store credit card to qualify for a one-time discount, especially on a major purchase. But before you do, take some time to consider whether a store card is worth it for you.\nFor starters, applying at the cash register may be the worst time to make such an important financial decision. In addition to being put on the spot, you may be lured by the instant gratification of the discount, both of which could cloud your judgment.\nInstead, take some time to consider how often you shop at the retailer and whether you'd be able to control your spending with a store credit card. If you're an irregular shopper with the store, it likely doesn't make sense to open a new credit account you'll rarely use. And if all the discounts, sales access and other perks are too tempting, you'll likely save money staying away.\nIf you're looking to get a lot of value regardless of where you shop and don't think a store card is a good fit, consider a regular rewards credit card instead. Depending on which one you choose, you could get much more upfront value via a sign-up bonus and possibly even an introductory 0% APR promotion, plus ongoing value through rewards and other perks.\nGetting a store credit card could make sense, however, if you're relatively new to credit or your credit score isn't in great shape. Many retail cards, especially closed-loop cards, have less stringent credit requirements, so they could offer a solid path toward establishing a good credit history if used responsibly.\nAlso, if you do shop at a specific retailer regularly and can't get better value on your purchases there with a traditional credit card, that store's credit card may be worth considering. END