re: Just checked the mail and wife opened up a credit acct

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She thought it was just some kind of store card that worked more or less like debit or points/rewards if she used it with purchases.

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A lot of the store cards do have points/rewards, which can be nice, provided you don't pay any interest on the card. My wife has one at Kohls, Avenue, Lane Bryant, and JCP. She is responsible with them and we pay them in full each month when she uses them. Kohls, especially, has some really good discounts with it.

She also has a Target Red Card, I think they call it, but it's a debit card, not a credit card. It's tied to our checking account and the day after she uses it, we get an EFT to our checking account from Target. You get 5 percent off, plus free shipping from target.com and I think you get longer to make returns. She uses that one a lot.