I Don’t Shop Here Often:

In the pursuit of the perfect holiday gift, you’ll probably venture into stores you typically don’t shop. Unless you’re receiving significant savings, it’s not beneficial to you to open up a credit card for a store you’ll never visit again. And because you don’t shop at the store that frequently, you’re more likely to forget about the card and the bill, which can lead to credit problems.

I Have Enough Credit Cards And Bills:

The impact of one credit card on your life is more than enough to justify that you don’t have the need to buy another credit card just because someone is offering it to you for free. Here another credit card means another bill, another due date and another payment that you have to keep up with time and again.

Read More: These 7 Hacks Will Help You Secure Your Online Financial Accounts

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