Why Most Retail Store Credit Cards Suck!
I'll give you a little insight on why your GAP credit card is not the wisest choice financially.
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The reason store credit cards are terrible in my opinion is because they typically charge around 25% interest. Other cards only charge around 12-18% (which still sucks). Store cards also often use third party websites for their online services. This is always a pain because it's difficult to pay your bill and use online features because these companies don't support a lot of modern features.
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