I have often been asked: “Are department store credit cards best?”

Not really. Many times they will offer you a discount on todays purchase if you apply for their cards. There are several reasons I would stay away from these cards.

1. Department store credit cards are many times harder to qualify for.

2. Everytime someone pulls your credit, it lowers your scores.

3. Many times the interest rate is higher.

4. You limit your self to buying in that store alone, where with a Visa, Master Card or Discover Card , you can use the card almost anywhere.

In my opion you should never charge more than you can pay off within one week. Keeping your balance at zero to $10 insures you keep your scores as high as possible.

We have taken the time to help you find cards that will benefit you on our web site at http://hope4usa.com/credit-cards/.

Everyday at HOPE we help our clients make wise decisions about their credit. If you would like to know more please call us at 704-503-3669. we are waiting on your call.