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    I went shopping yesterday and was inspired to create this min-post. While Ben and I were Christmas shopping I was continually asked “Do you have our store credit card?” My answer was the same as it always is “Yes.” Now, I don’t actually have credit cards for every store I shop at. In fact, I only have one store credit card (which I promptly pay the entire balance on every time I use it). But I have found that the simple “yes” helps stop me from making a mistake and opening one. The first time I was asked if I had a store credit card I truthfully answered “no” and was then informed of the wonderful coupon book that every new card opener receives, I was told then that having a store credit card would actually SAVE me money. Of course, the store counts on the fact that I will not pay my balance on time and they can get me with the 18 percent interest rate. Furthermore, I know from my own personal experience of being a retail employee that workers are encouraged to get as many people to open accounts as they can and therefore are willing to tell you just about anything to get you to do it. In addition, every credit card that you have can potentially hurt your credit. So, next time you are asked if you have  store credit card, do yourself a favor and just say “yes”. You will not only save yourself time from listening to their long list of reasons why you should open one but you will save money and your credit score.