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I recently shopped at a Bed Bath and Beyond store and saw that they offer a store credit card. Should I get it?
Answered on August 15, 2016 Updated on August 15, 2016
The content is accurate at the time of publication and is subject to change.
It can be very tempting to apply for store credit cards. When you're checking out with your purchases, the clerk will usually ask whether you want to save 10-15% by opening an account right there on the spot. Then you have to quickly decide whether it's a good time to apply for a new line of credit at the moment. Some things to consider include: what's my credit score like these days? A poor credit score could mean you won't even qualify for the card. On the other hand, a good credit score means you might be able to save some money on your purchase. Also, think about how many new lines of credit you've applied for lately. Too much new credit in too short a time period can look bad on your credit report. Last but not least, consider whether the store credit card is really the best choice for you, or if another type of card might offer more savings in the long term.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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In general, a card with an annual percentage rate, or APR, above ten percent will not be considered a low-interest credit card. If you're looking for a card that offers a good APR, you'll want to stay away from store credit cards and focus your search on cards that are issued by larger networks, such as American Express, MasterCard, and Visa. Regular consumer credit cards that you can get from big banks like Citi, and Bank of America will give you a good deal on your APR, especially if you have good credit. Many cards look at your credit report before offering you their premier credit card or...
When it comes to the credit cards that are offered by banks and credit unions, you will notice that the cards are in fact, very similar. Both kinds of cards are commonly affiliated with major payment networks, which mean you can use them at a wide range of places. In addition to this, both kinds of cards commonly come with fair APRs. When it comes down to banks and credit unions, what they actually do is very different from one another. Banks are financial institutions where people can have their money held and have access to a wide variety of other financial services. Credit unions are...
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