Three quarters (74%) of Americans have had a store credit card — and nearly half (47%) of them regret it, according to research from CompareCards.com by LendingTree. The study looked into the store cards of 50 major U.S. retail chains. Most of the cards in the study had sign-up enticements, but their average annual percentage rate (APR) was a steep 24.97%, and their fine print contained other conditions less consumer friendly than non-store credit cards, according to the report. A full 88% of special financing terms (a big draw especially for younger consumers) included deferred high interest. The holidays have some opportunity for retailers to add more store card holders: While half of Americans say they’re “highly unlikely” to apply for a store card this holiday season, 24% said they’re at least somewhat likely to, according to the report. Read more at Retail Dive.