Just pay attention. Make sure you're not given a product you don't want.

If you're very loyal to that particular retailer, it makes it easier to handle returns and so on,

Creditors get nervous if they see a lot of inquiries in your credit history, ... They may think you're ready to leave the country or something if you just applied for 40 cards.

Don't be swayed by bells and whistles, like reward programs or miles. A lot of consumers are drawn to these, but if you carry a balance, the interest rate may not be worth it.

Play by the rules, ... Don't give them any reason to take it [a better rate] away or penalize you in any way.

Making the minimum payment ... is probably one of the biggest expenses any consumer can make, ... You can end up paying for this Christmas for years to come.