Every big store hawks its own credit card.

Cashiers try to lure you into applying with 10% discounts, invitations to special events, advance notice of sales or no interest for a year.

But when the interest kicks in, the rate is usually very high -- typically 18% to 23% a year.

The average rate on major credit cards is more like 14.5%. Carry a balance of $2,500 on a store card and you'll pay an extra $200 a year in finance charges.

The extra finance charges can quickly wipe out whatever rewards you earn for signing up or spending all of that money.

And that's just one reason we don't think Macy's, Sears, Home Depot or any other retailer deserves a place in your wallet.

Here's where to see all 7 reasons to resist the come-ons for store cards.

Or go here for all the help you need to manage your credit cards like a pro.