There are some reasons that should be considered before applying for a store credit card: 1) financing offers: a good chance to get some discount. You are able to make minimum payments and leave your cash invested until the promotional period ends; 2) discounts: new card holders are very often offered some additional discounts on purchases they make with their new cards. And If the payment can be paid off at once, there won’t be any interest charges to offset the discount; 3) loyalty programs: a lot of modern stores also offer great loyalty programs to their card holders – one of the best way to keep the holders. These can be exclusive offers and deals that aren’t offered to anybody else. 4) ability to establish credit: if you use the credit card wisely, it could help you improve your credit score in order to access other cards or loans.