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But it seems like they’ve relaxed requirements for their credit card.

Admittedly, there are quite a few negative reviews involving department store cards.

With sky-high interest rates and little to no rewards, you probably understand why we recommend avoiding these cards altogether — unless you have no other options for getting a credit card.

Getting the most out of them takes knowledge and planning. Playing the credit card rewards game can be dangerous if you don’t do it right. The whole point of paying your mortgage with a credit card is to earn additional rewards points that you’ll redeem to make expensive things cheaper (even free! You can use these points to fly for free to places like Europe, the Caribbean, and even China! – Debitize is the perfect solution for chasing points and staying out of debt.

If you don’t want to travel, you can use them to receive “cash back.” You can even earn hotel points to earn free stays. And both mortgages and credit cards are types of debt, right? Each time you swipe your credit card, Debitize removes money from your checking account so you’re not overspending.