Wow. I kind of get the point of writing up this experience for others to learn from, but the tone is completely wrong. No offense to her, but the issue is really that she totally failed to keep up with her bills! I don't see anything the store did that was misleading, or, to be honest, predatory (she already *had* the card when she bought the suit!). And really, I've never had a problem with salespeople being overly pushy with store cards. I have caved a couple of times, if I'm making a large purchase, and then I cancel the card ASAP after I've paid the bill. No big deal, not difficult. I definitely wouldn't use a store card on a regular basis, I don't really see the point unless you always get a discount...but my understanding is that those discounts are usually just for the first purchase?