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If your credit is bad I am not sure you will be approved for their card. If your credit is good there are so many options. Consider a card with a 0% promotional interest rate that earns rewards. This is always a better option than a store card that presents a no interest option. Special financing on store cards can result in being charged a lump sum of interest that can date back to the original date of purchase. Interest rates on store cards can be as high as 29.99%. There are also cards that offer a welcome bonus. This means once you are approved for the card you spend a certain amount of money within a certain period of time to receive the bonus. Going with a traditional bank card can help you avoid the high interest rates associated with store cards.