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Saving money by using a department store credit card is a great idea. If you like shopping at Stein Mart, you should definitely look into what their card can offer you. However, don't miss looking at other types of credit cards as well. Many cards that aren't tied to a particular retailer or brand can offer great savings, and perks like purchase protection, price guarantees, concierge service, balance transfers, and low interest rates. Store credit cards often do not have the lowest APRs, so if you are going to get one, be sure to pay off your balance in full each month. If you'd like to carry a balance over, look into getting a credit card with a 0% APR promotional period.