The next time a salesclerk tells you that you can save 10 percent on your purchase by signing up for a store credit card, try this answer: "No thanks." Sure, that savings is a temptation—but having the credit card will be an even bigger one. Making matters worse, department-store cards often come with sky-high interest rates. Your best strategy for handling plastic: Have one or two no-fee, low-interest major cards on hand for convenience sake, and be sure to pay the full amount you owe on your cards each month.

About LifeTips

Now one of the top on-line publishers in the world, LifeTips offers tips to millions of monthly visitors. Our mission mission is to make your life smarter, better, faster and wiser. Expert writers earn dough for what they know. And exclusive sponsors in each niche topic help us make-it-all happen.

Ask a Question

Not finding the advice and tips you need on this Single Parent Tip Site? Request a Tip Now!

Guru Spotlight

Heidi Splete

Ever wonder how you could make your life better and more fun? So have tens of millions of fans who have turned to LifeTips for answers over the past decade. We keep the tips, advice, books, podcasts and writing services flowing, so you can keep your life and business growing in the right direction. Upward!