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Gonzalo: Three years beat the bandits slot machine
Never forget that sales "associates" are often incentivized to get people to sign up for a store credit card. They love to offer you the 10-15% discount deal today, while your acquisition ecstasy is running rampant, against the higher interest rates tomorrow when you run a balance. However, it's amazing how unfashionable retail cards feel once the ether clears and you understand the true cost that you pay to run a balance. If you must have the discount, do the deal, but pay off the balance immediately. Just like the little black dress you couldn't pass up that now hangs in isolation in your closet. Stick the cards in your drawer and sale away (elsewhere).
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