Dear Penny: What are the risks of opening store credit card for a discount?

I’m in my mid-20s, and I’ve never had a credit card. Whenever I’m shopping, I get offers for 15% or 20% off if I open a store credit card, but I’ve heard it’s a bad idea to open one. If I pay off the balance each month, is there really any risk to taking advantage of these offers to save extra money? And will a store credit card help me build credit? Getting your first credit card is a pretty big deal. And it’s usually best not to make major financial decisions because a slightly pushy salespe
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