What are store credit cards and when do they make sense? (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),zn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    What are store credit cards and when do they make sense? (2024)

    FAQs

    What are store credit cards and when do they make sense? ›

    Store credit cards reward loyalty, so it can be tempting to sign up for a card from your favorite retailer to cash in on rewards for spending you're likely to do anyway. However, retail credit card rewards can be limiting, and retail card interest rates can be higher than you expect.

    What are store credit cards? ›

    There are two types of store cards—closed-loop and open-loop. Closed-loop store cards can only be used at specific retailers or retail chain families. Open-loop store cards have a Visa, Mastercard or American Express logo and can be used as a traditional credit card to make purchases anywhere credit cards are accepted.

    What do store cards do? ›

    Store cards are a type of credit card that are issued by a retailer and can only be used to make purchases in that particular store. As with standard credit cards, you can use a store card to pay for items upfront and then repay the balance at a later date.

    What is the meaning of store card? ›

    : a credit card that is given out by a store and that can be used to buy goods at that store.

    How do you explain store credit? ›

    Definition of 'store credit'

    A merchant normally issues a store credit when a customer returns merchandise that cannot be exchanged. A store credit is a document offered by a store to a customer who returns an item not eligible for a refund. It can be used to buy other goods at the store.

    Is there a downside to getting store credit cards? ›

    Department store credit cards are more risky than regular cards. It's not necessarily bad to have one, but these cards can tempt you to spend more on retail items and the interest rates are ultra-high.

    What is the difference between a credit card and a store card? ›

    Conventional credit cards are accepted almost anywhere, while store cards are usually only valid ways to pay for purchases at select retailers. Store cards and conventional credit cards both have their advantages, though, and people might benefit from carrying both in their wallets.

    Why do people buy store credit cards? ›

    A store credit card is like your own personal shopping concierge, tailor-made for dedicated fashionistas like yourself. It allows you access to discounts, perks, and deals designed just for loyal customers. Rather than a traditional bank card, it's issued directly by the retailer.

    Is it worth having store cards? ›

    If you do a lot of shopping at a single retailer, a store credit card might be worth it — but consider pairing your store card with a general-purpose credit card that offers lower interest rates and allows you to earn rewards on a broader range of purchases.

    Can you use a store credit card anywhere? ›

    Can you use store credit cards any other places? No, store credit cards can only be used at specific stores (both in-store and online). Retailers partner with banks to offer lines of credit to their customers and it's limited to that retail store only.

    Where can store cards be used? ›

    Store cards can only be used to pay for goods in a particular store or group of stores. You're likely to be offered a card at the checkout when you come to pay for the goods. The interest rates on store cards are often much higher than normal credit cards.

    What are store cards called? ›

    Store value cards—better known as gift cards—function like debit cards specific to a certain retailer or set of retailers. There are two main types of stored value cards: closed-loop and open-loop cards.

    Does store credit mean gift card? ›

    No, gift cards and store credits are not the same. Stores often issue credits to customers as a form of refund or reward, which they can only use within that store.

    What does a store credit card do? ›

    Store credit cards are issued by retailers and brands. A store credit card is a form of revolving credit in that you use it to make purchases and pay down the balance later. Store credit cards can come with pros, like additional perks and rewards when you use a store credit card at the store it's associated with.

    What are a store card's advantages and disadvantages? ›

    Store credit cards can offer discounts, special financing, free shipping or other perks, and they can be a good way to build credit. But they also tend to come with low credit limits, high interest rates and financing offers with a big catch.

    What can you do with store credit? ›

    Usage: Store credit can be used in the store or sometimes online, depending on the store's rules. Balance: If customers spend all their store credit at once, they can use the rest later. Non-transferable: Usually, only the person who got the store credit can use it. It can't be given to someone else.

    Is a store card a good way to Build credit? ›

    Yes, a store credit card may help you establish or rebuild your credit history and benefit your credit score. Yes, it can save you money at the point of purchase. But thanks to higher interest rates, these cards may also lead to spending more money on purchases if you don't pay off the balance in full each month.

    What happens if I never use a store credit card? ›

    If you open but never use a store credit card, nothing will most likely happen. However, the issuer could close your card due to inactivity.

    Can I use store credit cards anywhere? ›

    Can you use store credit cards any other places? No, store credit cards can only be used at specific stores (both in-store and online). Retailers partner with banks to offer lines of credit to their customers and it's limited to that retail store only.

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