内容摘要：Isaac Young, 5, right, and his big sister Gianna Young, 7, look at his one-year baby book during a homeschool break in the dining room of their Sunbury, Ohio, home on Tuesday, Nov. 12, 2024. (AP Photo/Carolyn Kaster)

Isaac Young, 5, right, and his big sister Gianna Young, 7, look at his one-year baby book during a homeschool break in the dining room of their Sunbury, Ohio, home on Tuesday, Nov. 12, 2024. (AP Photo/Carolyn Kaster)

When offered a store credit card, Bruce McClary from the National Foundation for Credit Counseling recommends that you don’t say yes immediately.“Ask for something with all the details in writing that you can take with you and review for a later time,” McClary said.

Oftentimes, store credit cards are tied with a promotion such as 0% interest for a year or a discount on your purchase. And while these might sound appealing, it’s best to not rush the decision while you’re at the counter.Before signing up for a store credit card, you must read the fine print, Rossman said, including how much interest will be charged if cards aren’t paid in full and any late or penalty fees.“A lot of times, these retail cards charge tremendously high interest rates,” Rossman said.

Another thing to look out for is “deferred interest,” which is when credit cards offer a promotion such as 0% for 12 months but, if the customer doesn’t pay in full by the time the promotion expires, they are charged retroactively for all of the interest that accumulated during that time.If you’re looking to acquire a store credit card, McClary recommends that you do some research on the retailer. Looking at reviews online can help you identify if others have complaints about their store credit cards.

Additionally, McClary recommends that you ask yourself these questions:

— How often do you shop at the store?“We are the real owners of Istanbul; these streets are ours,” says Ergin Dogan. “If there is a fire, we are the first to run to help. We love this city, but it doesn’t love us back.”

Veysel Dogan, right, and his two sons Ergin, left, and Murtaza load a lorry with discarded cartons at Eminonu commercial area in Istanbul, Turkey, Tuesday, Feb. 26, 2025. (AP Photo/Francisco Seco)Veysel Dogan, right, and his two sons Ergin, left, and Murtaza load a lorry with discarded cartons at Eminonu commercial area in Istanbul, Turkey, Tuesday, Feb. 26, 2025. (AP Photo/Francisco Seco)

Veysel Dogan smokes a cigarette as he and his sons load a lorry with discarded cartons at Eminonu commercial area in Istanbul, Turkey, Tuesday, Feb. 26, 2025. (AP Photo/Francisco Seco)Veysel Dogan smokes a cigarette as he and his sons load a lorry with discarded cartons at Eminonu commercial area in Istanbul, Turkey, Tuesday, Feb. 26, 2025. (AP Photo/Francisco Seco)