You have been told from your childhood that fire is a good servant but a bad master and that’s why you have always handled fire with caution. The very same principal is applicable to credit cards. When used judiciously credit cards can help you build and improve your CIBIL score, but the moment you go reckless with them, you are inviting a potential debt trap. While you have the option of choosing from among a plethora of cards that can be used for various purposes, a store credit card is not a good idea, even though you are tempted with extra “savings” of 10% on your purchase or a 5% cash back or a “sign on bonus”. Here are four reasons why you should say no to offers of credit cards from retail outfits.