Half of Americans think this credit card practice should be illegal

Half of Americans think this credit card practice should be illegal: These credit card offers can be very tempting, but they come at a steep cost! Here’s what money expert Clark Howard wants you to know.

Then there's people like me who are responsible with their $ and see the positive elements of using a store credit card. I have a credit score of 800+ and manage debt without penalties. As long as you buy within your means, carrying debt isn't exactly bad.

If you have the money to pay for something in full, but you have the ability to save 5-20% and defer full-payment 12-18 months, why not take advantage of the store-only credit card? Most credit cards allow you to automatically pay a bill. Set up your own payment schedule to payoff before the 29.99% carried over interest penalty bears upon you. Sure it's a planning thing that could hurt you if you make a mistake... like using a credit card and not changing the bill payment info after switching banks.