Whatever you do this year when it come to Christmas shopping or any department store shopping, do not, under any circumstances, even to get the ‘20 per cent off’ discount, take out a store card. Northern Ontario - Credit Counseling with the Sudbury Community :: href=http://www.northernontario.org/StuffOfLife/CreditCounseling/CCSavings.htm class=l onmousedown=return clk(this.href,,,res,82,)>Northern Ontario - Credit Counseling with the Sudbury Community You don’t end up with stuff; you end up with MONEY. There are a thousand ways to live on less, but you don’t want to make your life a misery. http://www.northernontario.org/StuffOfLife/CreditCounseling/CCSavings.htmHOME |
Especially at this time of year the department stores will have their sales people rigorously patrolling the shop floor looking for unsuspecting shoppers…BEWARE! Beds are friggen expensive!!! JUST PUT ME OUT OF MY MISERY :: href=http://www.nycityweddings.com/chat/topic-104409-1.html class=l onmousedown=return clk(this.href,,,res,102,)>Beds are friggen expensive!!! JUST PUT ME OUT OF MY MISERY Wow, I don't feel so bad anymore. My bed is so bad now that I wake up and can .. He tells me that he's going to refund the difference to my credit card. http://www.nycityweddings.com/chat/topic-104409-1.htmlHOME | Misery-Business's Blog:: href=http://www.tv.com/users/Misery-Business/history.php?action=blog class=l onmousedown=return clk(this.href,,,res,77,)>Misery-Business's BlogI don't like Ray anymore. He broke up Hannah and Janet friendship. I miss my sandle and I hope at the end of season,Greg will go off and find Sara. http://www.tv.com/users/Misery-Business/history.php?action=blogHOME |
I’m not against credit cards or loans or store cards in general but I feel the need to warn people when the average store card APR (Annual Percentage Rate) is usually TWICE the APR of a credit card - approximately 26 to 30 per cent APR on a store card, compared to 13 to16 per cent APR on a credit card. This is no joke!
So when you’re about to spend hundreds of pounds in store; you’re at the till and the cashier asks ‘Would you like to take out our store card today sir/madam? We’re offering 20 per cent discount on all purchases only for today’ – you say ‘No thank you’. And, if they ask why, you ask them ‘Do you know what the APR is? I’m not paying that’. Moving On: Tips For An Organized Move | Organized Home:: href=http://organizedhome.com/moving-on-tips-organized-move class=l onmousedown=return clk(this.href,,,res,98,)>Moving On: Tips For An Organized Move | Organized HomeYou'll end up with stacks and stacks of labels. Next step: get 'em on the Don't stop there! Think bigger than a single box. Those same small children http://organizedhome.com/moving-on-tips-organized-moveHOME |
For me, it is totally unbelievable as to why people still take out store cards. Just, please, do not be fooled into applying for the card just because you can get a discount. If you know you cannot afford to pay the full balance off every month you will be charged, typically, up to 30 per cent APR. Not such a great discount after all, is it?
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