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Retail store cards don't always offer the best value, but they can be handy for some consumers. A store card can help build or rebuild your credit, it can provide significant savings if you qualify for special financing, and it can foster loyalty with coupons and perks. Multiple credit cards can help with your credit utilization ratio, or amount of available credit you're using—which is a key component of your credit scores.
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Enjoy the convenience of credit, including the option to carry a balance. No financial product is one-size-fits-all, and it's OK if credit cards aren't for you.
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