<prompt> Human: You always get offered something like 20off your purchase at the checkout if you sign up for a stores card. I was listening to a podcast about a lady living on the poverty line that does this, pays it off in full and then closes out the card. And she ended up with a better credit score than the money savvy presenters. Do any of you do this? Is it a legitimate way to build credit? What would be the risks to consider before trying something like this?  <response>: rchurning Most of the time, you dont even have to close the card if theres no annual fee, so long as you check the statement to ensure nobodys used it fraudulently. Also, there are much better sign-up bonuses available that give you actual cash back instead of just a percentage discount. 