Think twice about opening a store credit card to maximize your spending this year. A lot of retailers offer them, and then they sweeten the discount for the holidays to entice you.  A couple things to think about…1. If you have to open a new card, you can’t afford what you’re buying. 2.  If you do decide to do it, plan ahead.  Don’t make the decision in line at checkout.  This gives you time to adjust your budget to avoid carrying a balance for too long on another card.