One of the life ruining financial decisions you could ever make is applying for store credit card. I know some people who fell for it and ended up giving out financial freedom.
You must have heard credit cards are dangerous tools to play with (Not Always). If banks credit cards are pistols, store cards are assault rifles, the kind Arnold Schwarzenegger used in Terminator.
How often you hear from the clerk at the counter offering you 10% off, 20% off or even 30% off just by applying for store card? Many of us do fall for this, actually $20 instant save on $100 shopping is too good to resist.