Since the RedCard ended up being mentioned. If you are looking for discounts at a specific store the RedCard debit card is an awesome option for the 5% off, the money will come out of your checking and applying for the debit version does not check credit.
I have the debit version and would not bother getting the credit version because u get the same benefits with the debit version.
As for the interest rate on any store card it is high, however if you pay in full store cards can offer some awesome discounts for specific stores, that far out weight the interest rate.
You should always PIF regardless of interest rate to avoid getting into debt, unless you are on a 0% rate and you are certain you can get it paid off in time.
