Why A Store Credit Card Is Never Worth It

If You Want Points And Prizes, Ditch Your Retail Credit Card And Go To Chuck E. Cheese

Do not fall into the trap of a commitment you're not ready for.


Please, please, please do not try to convince yourself to apply for that shiny plastic pink card the Victoria's Secret employee is dangling in front of you.

You may be thinking, what's the problem with getting my own credit card that just so happens to reward me for using it?

It's not only going to "reward" you for using it, it's also going to burden you for using it.

Credit cards, in general, are not all bad. You can use one and pay off the money you used immediately to keep a squeaky clean credit score. You might want one to furnish your apartment or if you're in a pinch financially. It's okay to get that Citi or Discover card because you've probably planned out what type of purchases you will be utilizing it for. After all, it's important to build experience budgeting and paying people back so you build the natural habit of being financially responsible.

Sephora, Disney, and Amazon are great places to shop, not places to tether the wellbeing of your credit score to.

Amazon entices you with their offer of a $10 gift card if you apply for the Amazon Card. Apple advertises its sleek and colorful chrome card as a must-have for any Apple customer. Some companies boast a point per dollar spent for rewards tiers that could score you an "exclusive" tote bag or freebie. These benefits do not outweigh high APRs, foreign transaction fees, and outrageously high interest rates or general fees.

According to a WalletHub credit card review on the Dillard's Credit Card, for every 1500 points you accumulate, you recieve a $10 gift certificate. With two points assigned to every dollar spent at Dillard's, you would have to spend $750 dollars for a measly $10 back. This trickery is disguised with the candy-coated point system to encourage you to empty your pockets at the department store

If you want to win points and redeem them for prizes, go to Chuck E. Cheese. A credit card is not a toy, it is a commitment.

Before deciding on which credit card you want, try visiting similar credit card reviews on WalletHub so you can pick out which will be the best option for you. WalletHub appropriately outlines the important details and specifics of the card you're interested in so you know what to expect.

Many people get sucked into the trap of applying in-store for credit cards because an employee persuades them. Remember, these employees are trained to list every last sweet reward you can receive for being a cardholder, they're probably even making a commission for every accepted application. It's okay to say no! Do not fall into the trap of a commitment you're not prepared for. Know every detail of your card before you say "okay."

If you like the idea of the convenience of having a credit card from your favorite store, remember that your credit card purchases will not always be makeup and they won't always be a pair of shoes from Journeys. The department store you go to twice a year shouldn't be causing an insane amount of debt for you just because you didn't want to seem rude to the lady at the counter.

It's okay to be cautious, especially with your money. Your money is YOUR money! Owning a company's credit card isn't equal to proving your loyalty to them.

Being informed about a decision just like this one opens the door for you to make informed decisions in other aspects of your life, too! Store credit cards are not the end all be all, commit to something only if you know you're ready to.

Report this Content

Everyone remembers the first time they went to one of the Disney parks. Spinning in teacups and having Goofy wrap his arms around my 8-year-old self were some of my fondest childhood memories, and I'm surely not alone in that.

Keep Reading... Show less

These Superfood Beauty Products Show Kale And Matcha Work For SO Much More Than We Thought

Just another summer's day with a cold glass of kombucha on my face.

I've been vegan for about six years now, so a love for fresh vegetables and superfoods has now become a core part of my being. Don't get me wrong. I love my indulgent, creamy pastas and truffle fries more than anyone. But I keep most of my focus on eating clean and healthy so I can indulge guilt-free.

But I'd say about a large part of my diet has always, unknowingly, included superfoods. Being Indian, lentils, beetroot, garlic, ginger, and whole grains have been core essentials on the family dinner table since I could digest solid foods.

Keep Reading... Show less

Now that college is around the corner for most if not all young adults, students once shook by a pandemic now have to shift their focus on achieving their career goals. As if we thought we had it together already! As an NYC girl, I have always seen myself as a hustler, hungry to advance my career in journalism by having one skill: working hard.

Keep Reading... Show less

5 BBQ Essentials Every Vegan Should Bring To Avoid Summer Cookout FOMO

You'll have your whole family drooling when you bring these goodies over too.

All vegetarians and vegans can relate when I say this: summer barbecues aren't fun when there's nothing you can eat.

Keep Reading... Show less

Kourtney Kardashian has decided to leave "Keeping Up With The Kardashians" after nearly 14 years and although we saw this coming, it breaks our heart that she won't be there to make us laugh with her infamous attitude and hilarious one-liners.

Kourtney is leaving the show because it was taking up too much of her life and it was a "toxic environment" for her.

Keep Reading... Show less
Health and Wellness

We Asked You How You Felt About Resuming 'Normal' Activities, And Some Of Your Answers Shocked Us

The New York Times asked 511 epidemiologists when they'd feel comfortable doing "normal" activities again, considering COVID-19. We asked our peers the same thing, for science.

Last month, the New York Times surveyed about 500 epidemiologists asking about their comfort level with certain activities once deemed normal — socializing with friends, going to the doctor, bringing in the mail. That's all well and good for the experts, but they are a very niche group, not the majority of the population. What do "normal" people feel safe doing? In certain states, we've seen how comfortable everyone is with everything (looking at you, Florida), but we wanted to know where Odyssey's readers fell on the comfort scale. Are they sticking with the epidemiologists who won't be attending a wedding for another year, or are they storming the sunny beaches as soon as possible?

Keep Reading... Show less
Facebook Comments