SUMMARY - It can seem like a convenient and rewarding way to shop but a store card just may have you adding a few too many extra pounds to your bill in the long run.

Shopping with the times - an introduction to store cards. Page 2

Author: Michael Challiner

2. Be APR wise - just how much will you pay on an un-cleared

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balance?

3. Is there is an interest-free period? When does it end and what will the interest rate be afterwards?

4. Check all details of the agreement - APR, interest free period, penalties for default and late payment - and don't be afraid to ask questions.

5. Remember to consider carefully the costs and benefits of any Payment ( life insurance quotations ) Protection Insurance (PPI) offered. It is optional and will cost you money.

6. Compare with other payment methods.

7. A store card can be a serious credit commitment for which you may need to budget.

8. Beware of pushy sales staff and don't be lured into taking out a ( secured loans ) store card you don't want - remember, the person selling it to you will probably be rewarded if they sign you up.

9. There is no need to sign on the spot - if in doubt, take the agreement away, read it and seek advice on it before you sign.

Carrying around a purse or wallet-full of credit and store cards can be a ( life insurance quotes ) temptation to spend more than you can really afford. And, like any credit card, a statement will only come once a month making it difficult to keep track of how much you've spent overall.

Various credit cards and store cards are designed for various ( life insurance quotes ) people with different needs. If you are considering a store card look into all the options and read the fine print. Is that new pair of shoes really worth what you're paying plus a possible 30 per cent? Shop around, and get you and your money the best deal.

Your home may be repossessed if you do not keep up your repayments on a mortgage or any debt secured on it.
Loans may be secured on your home or other property. Think carefully before securing other debts against your home.