Originally Posted by
CeeBee
AFAIK some HD stores are in some internal competition for signing up most people for credit cards. You are NOT the only one offered a card, i am at HD on a weekly basis and keep being annoyed with the offer despite already having the CC.
As far a CCs in general go, I put EVERYTHING on CC, except maybe a bread at the bakery where they have a $10 minimum charge and the mortgage where they don't take CC.
1-3% cash back on purchases adds up quickly if you count EVERY SINGLE PURCHASE and most bills. I get some $600+ back every year - that is FREE MONEY. On top of it Discover had a promo this year for an additional $500 cash back for spending $3k every month for 6 months... Easy money since the daycare alone is most of it. So this year I got over $1000 back as CASH. Had i been using cash or debit instead I would have received exactly ZERO.