Store cards for me are a discount tool. They get a bad rap because the APR tends to hover around 22%. Honestly, I think the APRs on my store credit cards are around the average but I have no clue what the exact number is, why? I use my store credit cards as discount tools.
JC Penny - extra 15% when I shop certain days. I am going into the store to buy a specific item which I already have the cash to pay for. However, since it is 15% cheaper to use the JC Penny card I will make the purchase using the card, then pay the card off before the bill arrives in the mail.
PC Richards - This card I got back in college since I wanted a TV but had no money to pay for it. They normally offer no interest for 12 months. Why not? I always end up paying for any item bought within two to three months. I do not use this card often since I am not buying that much in terms of electronic gadgets.
Old Navy - This card I have had for a few years. Each time you spend $200 you get ten bucks back to use off your next purchase. It normally takes a while for me to accumulate $200 in purchases since I do not buy a lot of clothes. When I do shop for clothes they have to be on clearance 50% off or more. The ten bucks back I normally use to purchase something that is ten dollars only. Again I pay no interest on this card.
Victoria Secrets - I use this card probably a few times a year. Mostly I only make it to purchase stuff during the semi-annual sales. I load up on a few items during the sale then the card gathers dust for a few months. There are times when I do not catch the sales, therefore the card is unused for almost a year.