Get the Store card!

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I was recently in a Walgreens and a woman had come in fully dressed for a nice night out on the town but was obviously in need of some finishing touches. She had some lipstick, eye liner, foundation and some type of hair product in her cart. All my lady friends know that such products could easily get crazy expensive. In the checkout line, the cashier rung her up and her total came to something in the ball park of $70. She was unaffected and was ready to swipe her card when the cashier asked her if she had the store loyalty card. She said she did not and was ready to proceed with swiping her card. The cashier insisted that she could save a good amount off her total if she just gave a number. But too much in a hurry, she declined. Being behind her in the line, I easily offered her mine and her total reduced by over $30. In her haste, she didn’t realize that many of her cosmetics were buy one, get on half off. She was so grateful and thanked me over and over.

It is ALWAYS a good idea to get the store card when offered because it will offer you savings you didn’t otherwise know existed. Even if you choose not to peruse the weekly ad for deals or search for coupon savings, the store card will offer you some basic deals that can save you substantial money. If one is offered, get it. Even if you throw it away after that purchase. And for my moms who can’t invest the time needed to coupon, simply getting the store card is your way to save without extra time investments. Whether it’s a store you shop at all the time or twice a year, it’s a great idea. And the good thing is, most of them are tied to a number. So, since most of us don’t make a habit of changing our cell phone numbers too often, simply giving them your number, even if you’ve misplaced the card, is sufficient.

I am one person who hates credit cards. So when asked at many stores whether I would like the store card, I VERY QUICKLY AND BOLDLY say no! But I remember having a huge purchase at Target one year for my daughter’s registry completion. Because I didn’t understand the cashier, I declined on the Target debit card. When I finally understood what she was trying to say, I was so annoyed because just by using the Redcard, I could have saved 5%! So, I have recently begun to ask one very important question. “Is it a loyalty card or a credit card?” If it’s a credit card, be careful. For my disciplined shoppers, get the credit card for a substantial purchase because they will often give you 20% off. As soon as the transaction is complete, go to customer service and pay off the card. If that’s not an option, send in your payment as soon as you get home so that no time for interest to accrue elapses. This way, you’ve saved 20% with no added costs. If you only have one or two things to buy, you can’t trust yourself with the plastic, or are totally uninterested in the credit card, swiftly say no. But, if it is a loyalty card that simply will give you savings or points towards savings or it’s a debit card system like Target offers, get it every time. They come in handy.

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