I hate that whenever I go shopping to a department store like JCPenney, Sears, etc when I'm checkingout they ask me if I want to sign up for their credit card. They clear see I'm paying with a credit card, and why would I be paying the a credit card if I didn't like that card?

I know it's part of their job asking every customer to sign up for a credit card but it gets annoying fast. Especially if I say no and they try to tell me how great of a discount I will receive if I just sign up.

After a while I decided to really look into these credit cards and see how good or bad they were. Most of the them have a really high interest usually above twenty percent.