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You've walked into Target, and inadvertently pulled another massive haul.

You proceed to the checkout and the cashier reminds you for the hundredth time that you could be saving 5% on your purchase with their in-store credit card.

Most people get tired of these offers and pretty much tune them out altogether. Is that a mistake?

It depends. Weigh the pros and cons and decide whether it makes sense for you.

The case for a Target credit card

Target
Mike Mozart / Flickr

A big reason to consider a store credit card in general, is that they're usually easier to get.

That means people with low credit scores or no credit history stand a better chance of being accepted, and the cards can offer a way to rebuild or establish credit.

But to really benefit, you'll need to use good sense, keep your balance low and pay off your balance every month.

When you get the Target Red Card, you get a number special perks, such as early word on sales, a 5% discount on all items purchased online or in store, an additional discount on top deals, more convenient shipping, a longer window for returns, the list goes on.

Starbucks fans will be happy to know the 5% discount extends to Starbucks locations within Target.

If you frequent Target, it's definitely worth considering because you could see substantial savings over time.

Is a Target credit card right for you?

Store cards tend to come with higher interest rates, and the Target REDcard is no different. But pay off your balance every month and you won't have to worry about the interest.

Then, you can focus on all of the great benefits of having this card in your wallet.

Shop at Target regularly, and you'll receive a number of perks and considerable savings over time!

Open a Target REDcard account today if it's the right fit for you.