In the present economic times, you have to search for every way whereby you could save money. In case, you have been disciplined with money so far, using department store credit cards would be a great way to save money off big purchases. Let us help you save on your next big purchase.
Understanding store credit cards
Using store credit cards in order to save money has been deemed easy, as long as you keep within the program and do not overextend. You are required to pay the balance in full every month. It should be on the top of your list of priorities with this type of card. In case, you are having trouble being accepted for a credit card, the store credit card would be the easiest to receive acceptance, despite you having credit or not.
Be prudent while using card with high interest rates
While you would be saving money off your initial purchase, you would be required to remember that they would also have the highest interest rates of outstanding balances. As a result, for you to save significant money would be required to pay off your credit card balance every month.
Advantages of using store credit cards
The benefit of store credit cards has been that a majority would have programs to cater you with additional discounts in order to use their cards. In case, you add this discount to products that have been placed on sale, the savings could be nearly 40% in most circumstances. Apart from using the stores credit card, few stores would offer additional discounts and freebies to frequent buyer’s card. This has been additional savings, which could help the consumer bring down their monthly expenses.
When would be the best time to shop?
The biggest saves have been for those shoppers that would look ahead. It has been found that the best day to purchase a fake Christmas tree has been the day after Christmas. This kind of shopping should be done every year for the biggest savings. The added benefit of this would be when you need a winter coat. It would be brand new and already at home when that first winter storm hits your neighbourhood. On the other hand, your neighbours would be out purchasing their winter coats at exorbitant prices.
Additional tips to save money
Additional tips to save money have been when you come across a damaged product. In case, this has been something you require and the box has been ripped, you should ask for discount. In a majority of places, you would be allowed this, as it would save them the hassle of returning the item along with the boring and lengthy paperwork. Most products that have damaged packaging are still fit to be used. This has been because most manufacturers in the present times make use of adequate packaging material in the process of shipping for protecting their products. By making use of store credit cards in order to save money, you would be able to purchase more for your money’s worth.
Author Bio Willie DeJarnette has been writing on various topics for a long time. His articles and blogs have become an authority due to his all-encompassing knowledge on various subjects. Readers all over the world have been ardent followers of his writings.