“Retail Credit” is a financing method that provides loan services to retail consumers for goods and services. Retail credit facilities lend funds to consumers wishing to purchase high ticket items but are short on capital. They can be a great way to help restore bad credit if used properly

Retail credit cards are generally easier to get and may come with points, coupons, or other perks from the retailer. However, these cards usually have higher APRs and lower credit limits than many unsecured credit cards offered by major credit card companies.

When used responsibly, they can be a good introduction to credit for consumers with a limited credit history. And there are a few stand-outs in this category that offer great rewards programs that allow you to earn a large amount of cash back on your regular spending.

Click here for 13 Store Credit Cards for Bad Credit (The Easiest to Get).