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When it comes to back-to-school shopping, everyone’s looking for a bargain—but if the cashier offers you a big discount for taking out a store credit card you might want to turn it down.

Store-branded cards can come with poor terms, low limits that can hurt your credit score, and high interest rates that can more than wipe-out your discount for signing up on the spot.

Close to half of store cards carry annual percentage rates of 25% or more, according to one survey, more than 50% higher than the national card average.

Paying those charges over time will cost you dearly, notes Beverly Harzog, credit card expert and author of The Debt Escape Plan.

Girls Chatroom Guys Chatroom Terms & Privacy 2014-2016 Online dating or Internet dating is a dating system which allows individuals couples and groups to make contact and communicate with each other over the Internet, usually with the objective of developing a personal, romantic, or sexual relationship.

Not the benefits of higher education for your child. College is one of those life experiences card-reward experts refer to as “a spending event,” says Jon Hayes, founder and CEO of Reward Stock, a site that helps consumers optimize rewards for travel.Join chat rooms and chat with people anywhere in the world!Join a chat room now and see who is waiting to chat with you!Here are three moves to make first (plus tips to add your college student as an authorized user to your card): 1. colleges and universities, 85 percent of colleges accept credit cards to pay tuition, according to a 2016 study by Credit Look at what you gain/lose by charging tuition Salivating at the chance to put that four- or five-figure tuition bill on your rewards card for the points? “If you’re doing it for the rewards, hopefully you’ve done the analysis to make sure it’s worth it,” says Ira Rheingold, executive director of the National Association of Consumer Advocates (NACA). Adding your child to your card account can help you amass extra rewards and help them learn smart credit habits.

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