The offer seems enticing. A store offers you a huge discount if you sign up for a credit card. It promises a full year of interest-free purchases, along with cardholder-exclusive perks like coupons and receipt-free returns. But you’ve also heard negative things about store credit cards. So, are store credit cards good or bad. Retailer-specific cards do come with a few benefits, but they also have some pitfalls. Before you agree to a store credit card, consider these pros and cons.