New credit cards could hurt credit score

Before heading out to shop, you don't slip a can of pepper spray into your purse, and you'd rather spend Thanksgiving with your family than in a tent outside a big box store. Still, when you head out to the mall or cruise the Internet, you want a deal. Four years of hard times have left us hard-wired for discounts, even during the holidays.


Retailers are obliging by promoting coupons, free shipping and one-day sales. They're also offering discounts of 20% or more for customers who sign up for a store credit card.


Credit card companies have joined in the festivities, offering generous rewards to new customers who use their cards for all their holiday needs. Chase and Citibank are offering $200 cash back if you spend at least $500 within three months of opening the account.


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