If you’ve ever gone into a department store before, more than likely you’ve been invited to apply for a credit card. Credit cards are very lucrative for retailers, which is why they offer them nearly every time you go. Here are some perks and pros to getting a store credit card:

• Zero Percent Financing: Some store credit cards offer zero percent financing options. This means you have anywhere from 12 to 24 months to pay off a large purchase with no additional interest fees.
• Shop Around: Some store credit cards allow you to shop at other places too. As long as you haven’t reached your limit, you can use the card anywhere where they accept Visa or MasterCard.
• Discounts: When you use store cards, you often get discounts whenever you use it for a purchase. This could come in really handy during certain times of the year.
• Credit Building: It’s also great to use for building or rebuilding credit and boosting your credit score.

Next time you’re offered a store credit card, consider these four nice perks.