BENGALURU: Usually during holiday seasons, retailers work overtime to get people into the stores and offer them free store credit cards. These days, you can hardly shop without being pitched a store credit card. Unfortunately, stores haven’t caught on to how unpleasant these sales pitches are, according to credit.about.com.

 Best Ways to Turn Down a Store Credit Card.

I’m not interested:

Always remember to give an appropriate answer like I’m not interested or No to the sales person who is intending to sell the store credit card to you. But still the sales clerk will probably continue to try to talk to you into getting the card. However the 5-10 pct savings may sound tempting, but before you open up a credit card which has the potential to cost you much more in the long run, check the store’s website and app for coupons or other opportunities to save.

I Need Time To Review The Terms And Conditions:

This you need to do for every credit card you open, but definitely for store credit cards. Often, the store clerks don’t have a copy of the credit card terms and can’t tell you the APRs or fees for the card. Opening a credit card without reviewing the fine print is a bad decision that even the pushy salesperson can’t argue with.

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