When I went to a Restoration Hardware store recently, they told me I could sign up for a...
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When I went to a Restoration Hardware store recently, they told me I could sign up for a credit card right there at the register and get a big discount on my first purchase. But I wasn't sure whether my credit would be good enough to be approved, so I didn't apply. Should I have gone ahead and applied for the card? Did I miss my chance to save on any more purchases I make at the store?
Answered on Apr 15, 2016
Updated on Apr 15, 2016
The content is accurate at the time of publication and is subject to change.
Rest assured, you haven't missed out on your chance to save. If you weren't sure whether your credit was good enough to be approved for the store credit card, it was a smart decision to wait. Applying for new credit and getting turned down can have a negative impact on your credit score, so unless you're sure you'll be approved, you'll save yourself some time and trouble, and a few points on your credit score, by not applying when you're feeling pressured at the register. You can always apply for a card online, after you've thought it through.
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