 TITLE: What to Know Before Getting a Retail Credit Card CONTENT: Retail Cards Can Impact Your Credit Score\n-----------------------------------------\nJust like any traditional credit card, a retail credit card can either harm or help your credit depending on how you use it. If you pay your bills on time and keep your balance as low as possible, this wise use of the card can help your credit score over time. If you keep the account open and in good standing for several years, it can give your credit a noticeable boost since longevity of accounts and on-time payments play a major factor in your credit score. If you haven't been able to qualify for a traditional credit card, getting a retail card and using it responsibly can be a great way to start building credit.\nOn the other hand, retail cards can also cause harm if used irresponsibly. If you make late payments, miss payments or carry a high balance (to the point that you're close to your credit limits), you can hurt your credit score. END