Why is this important?
The APR is the percentage in interest you better pay if you leave a balance on your credit card.
Saying no also could put you on the path to ahealthier relationship with your finances.
You Should Never Sign Up For Store Credit Cards. Here's Why
Next time you find yourself thinking about signing up for a store credit card for an instant discount, you may want to pause. Personal finance expert and author Trent Hamm explains that the 10 or 20 percent discount that comes with your application may end up costing you more than it's worth.
