I don't like to use credit unless it's an absolute emergency. However, being a frequent shopper at Kohl's for holidays, birthdays, gifts and myself, it has been worth all the discounts to apply for a Kohl's card. On one shopping experience I spent over $100 and with my discounts, coupons etc. my bill was about $20.00. This is probably an exception and not the rule. But the shopping experience using my credit card definitely paid off.