Interest rates on store cards are frequently 25–30% APR, higher than most credit cards. Introductory discounts can be tempting but the ongoing cost is what matters.
Section 75 protection still applies on regulated store cards for purchases between £100 and £30,000, but rewards and interest-free windows vary widely.
If you already hold balances, transferring them to a lower-rate product — or including them in a debt solution — is usually cheaper than paying the store rate long-term.
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