Department store credit cards are great.
They are easy to get, the interest is usually low, and you can earn rewards for using them.
However, it is important to remember that they are still a line of credit and you will need to be responsible with them.
Don't ever blow your entire line of credit during one shopping trip.
Using your credit line all at once will make it harder to pay off and it will take forever before you get an increase in your credit availability.
Don't go crazy applying for retail credit.
Having too many open lines of credit will cause your credit score to suffer.
And having a low credit score can stop you from purchasing a new home, a new car, and many other things you'll need.
Make your payments in a timely manner.
This will be pretty easy as long as you don't over extend yourself.
Never charge more than you can afford to pay back quickly.
Getting a department store credit card is a great way to raise your credit score.
The important thing to remember is to use this chance to prove your responsibility.
You may never get the chance again.
Remember, many people have started out with a simple Visa or MasterCard obtained through their favorite store, and the next thing they knew they were in bankruptcy court wondering where they went wrong.
Each individual has to make some very smart budgeting and consumption decisions before they move forward in their use of credit.