<prompt> Human: When I went to check out at kohls, the cashier asked me if Id like to apply for a kohls card because Id get 15 off my purchase. I said why not. I figured that it was like a membership card like a Kroeger plus card kinda thing, she said nothing about it being a credit card So I was filling out my info stuff like name, phone , SS uhh thats weird, I should have known by then, YTD earnings yup Im an idiot, and my address this worries me the most because she had me enter the info on the card reader, but there was no way to enter letters. She said just enter the address number, the system will use the other info to get your address. But what if it doesnt get my address and they try to send me important information that Ill never get? I was reading about the card online and apparently the it has a 23 interest rate! Have I fucked my credit? Can I use this to my advantage? I have no one to discuss finances with because my family is poor and not very good with money. Please help.  <response>: Calm down. Tons of people have the Kohls card. Keep it and use it at Kohls. They have good coupons, usually 30 off and free shipping online. Just pay it off in full every month and you wont pay any interest. 