5 Things to Know Before Signing Up for a Store Credit Card

Department store credit cards can be tempting, but they have some potential downsides.

Woman shopping at retail store with credit card or store card
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[Read: Reward Yourself By Choosing the Best Credit Card For Perks.]

If you open a store credit card this holiday season, limit yourself to one or two at the most, and stay on top of the bills. "As with regular credit cards, the most important thing is to always pay your bill on time," Woolsey says. "Before adding a new store credit card, it might be worth looking in your purse or wallet if you have any you can get rid of."