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With Black Friday just five days away, I’d like to take this opportunity to remind you to steer clear of retail store credit cards.

Of course, more than a few of the stores you visit on Friday will try to lure you in with big promises …

“You’ll save 10 percent on today’s purchase by applying for a retail store credit card,” they will tell you.

Just about every major clothing and electronics store has promotion aimed at getting people to sign up for a store-specific credit card.

But retail store credit cards will hurt your wallet and your credit score. Avoid them

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Are you a credit card-wielding 20-something? If so, then you should check out Martin Dasko’s “The Credit Card Manifesto: Completely Conquer Credit Before You Hit 30.”

Dasko, the mastermind behind the popular personal finance blog Studenomics.com, wrote this ebook in hopes of teaching his peers about the ins and outs of credit cards, how they affect your credit score, and how you can tackle credit card debt. Assum

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Compare student credit card offers to find one to provide you with flexible spending and a way to build your credit score. Designed for college students, these cards offer a range of features.

Credit card offers change regularly. Be sure to research every offer to ensure you understand the terms and conditions associated with the card, keeping in mind that these terms can change frequently.

Discover

The Open Road Card for Students offered by Discover is a cash back offer that also provides an introductory offer of zero percent APR for nine months.

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Chase just launched a new Southwest credit card that comes with a staggering 50,000 bonus points after you make your first purchase.

Those bonus points are good for over $800 in Wanna Get Away® Fares, which can be redeemed for at least two free roundtrip flights.

If you fly short distances, such as from Los Angeles to the Bay Area, that could mean more than 5 free roundtrip flights!

Not only that, but you get 6,000 bonus points every year on your cardmember anniversary, which is worth $100 in Wanna Get Away® Fares.

And 1,500 “Tier Qualifying Points” for every $10,000 in purchases on the credit card annually (max of 15,000 points).

You also get:

- 2 points for every $1 spent on Southwest Airlines purchases – 2 points for every $1 spent with Southwest Rapid Rewards Hotel and Car Rental partners – 1 point for every $1 spent elsewhere

The card also has a limited-time balance transfer bonus of 1 point for every $1 in balance transfers, though the credit card APR is above 0% so you’re probably better off with a pure balance transfer credit card if you need to shift some debt.

There are no change fees, no blackout dates, and points don’t expire. Your 1st

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Credit cards can be a great asset as they allow you to have access to a line of credit that you may not have otherwise if it were not for the credit card. Used right they can really aid your cash flow each month. On the other hand, if you have already accessed this line of credit and find yourself now in the position of having to pay this debt back and want to do if fast, then there are some things you can do speed up the paying-back process (which will also save you lots of money on interest payments!).

1. Create a Household Budget

Before you can start reducing your debt you need to figure out why you are going into debt and find ways to change your spending habits.

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Call it a credit card backlash. A fight against costly interchange fees by frustrated retailers.

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