盘点那些得不偿失的省钱习惯

Opening a Store Credit Card to Get a Discount

为了打折而办商户信用卡

The offer seems like a no-brainer: Save 10-20 percent on your first purchase by opening a store credit card, but nationally-recognized consumer and money-saving expert Andrea Woroch says this practice can come back to bite you. "Store cards carry high interest rates, expensive late payments and usually tempt people into buying more than they would with cash or their debit card, especially to take advantage of that first-use discount," she says. Unless you plan to use the card one time on a huge purchase, pay it off, and then never use that card again, or if you open a card at a retailer you shop at often or exclusively, it's not worth that initial discount. Woroch suggests finding other ways to save with mobile coupons via a site like CouponSherpa.

面对这样一个条件，似乎不用多想：办一张商户信用卡，第一笔消费可以减掉10%到20%。但沃罗奇说，这种做法有可能得不偿失。她说：“商户信用卡利息很高，滞纳金很重，并且常常诱使人们比使用现金或借记卡购买更多的东西，特别是为了利用第一次使用享受的折扣。”除非你打算用这张卡一次性地进行大额采购、把账还清，之后再也不用那张卡，或者是在你经常去购物或只在那里购物的商户那里开卡，否则光为了第一笔的折扣而开卡就不值得。沃罗奇建议通过CouponSherpa之类的网站寻找其他利用手机优惠券省钱的办法。