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You know the pitch. You're at the checkout counter, and the cashier says, "Want to save 20% today by opening a store card?" I've fallen for it in the past at Macy's. And regretted it later when the ...

As we head into the holiday shopping rush, you'll notice retailers turning up the heat with sexy new credit card offers. "Sign up today and get 20% off your purchase!" "Instant savings at the register ...