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How would you like to get a 15 percent rebate on your purchase today? Why not? But hold on before saying ‘yes,’ there may be some pitfalls on this way. With the average retail credit card APR at more than 23 percent, the savings from store discounts might get wiped out with any interest you accrue.



Whether we’re searching online for a coupon to save $1 on a box of cereal, getting a loyalty card punched to creep closer to that free 6-inch sub or calling a credit card issuer to get a late payment waived, we’re constantly looking for ways to keep some extra money in our pockets.

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