Avoid Department Store Credit Cards

I didn’t think of it much when, the other day at Kohl’s, I was asked if I wanted to save 15% on my purchase. It happens so regularly. But I read a post from Bible Money Matters today about the increasing aggressiveness of department store credit card sales attempts, and I started replaying that conversation in my head:
“Would you like to 15% today?”
“Uh, no thanks.”
“It’s 15%!”
“Thanks, that’s okay.”
It was pretty apparent that she was trying. Normally I only have to say “no” once. At any rate, I didn’t bite. Save 15% on an order of $30? That’s $4.50. Besides, I’m …read more