Have you ever been asked that question of, “Would you like to open a store card and receive a 20% discount on your purchase today?” Well just about every single time I go in a store that question is always asked. It seems like something everyone should get right? The store will take 20% off of your purchase today, but only if you open a store credit card. Numerous Americans are facing tremendous debt due to overspending and it is important to know the advantages and disadvantages to taking out a store credit card.