WARNING: Never Use This Credit Card

Credit Score Impact - Using store credit cards can negatively impact credit score [1] - Credit scores drop when credit utilization exceeds 30% [2] - Lenders perceive high credit utilization as reckless, even with timely payments [2] Store Credit Card Risks - Store credit cards offer small discounts that can be a trap [1] - These cards often have low credit limits, leading to quick maxing out [1] Alternative Solutions - Consider using cards that help build credit instead [2]