We’ve all been there before—approaching the check-out line with purchases and the clerk’s aggressive prompts, “Would you like to save 15 percent by applying for our in-store credit card?”
Even if you refuse, they will invariably press on, “It will only take five minutes,” or, “Are you sure, you don’t want to miss this opportunity?”
Whether you simply don’t have time, don’t want to rack up more credit card debt or you don’t want to mess around with another credit card, it is important to know your rights when standing up to retail credit card bullying.
With the Christmas shopping season underway, consumers are already feeling cash-strapped and stressed, especially those burdening debt.
On second thought, you think, “Maybe an extra credit card would be nice?” You can move some of the debts around, free up space on another credit card and save that 15 percent.
Don’t let retail bullies sucker you into a card you likely don’t need or really want. Over time, more credit cards and debt can lower your credit score and make it even more difficult to get out of debt.