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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.