Published: Nov 26, 2010 12:44 AM EST
Updated: Nov 25, 2010 3:54 PM EST

FORT MYERS, Fla--When you shop this year, you may see more offers to sign up for credit cards at your favorite store. Most offer discounts the day of the sale and we found shoppers willing to take them up on the offer.

In this economy, lending institutions are looking for the best bet to make sure they get paid back and make money.

That's why you may see more retail credit cards pushed your way this year.

A study of store credit cards found retail cards are less of a risk for lending institutions than regular credit cards.

Even though people carry lower balances on these cards, the interest rates are much higher--sometimes as high as 28 percent--giving the credit card companies a bigger profit. People are less likely to default on lower balances.

So expect more companies to offer discounts and low interest rates to entice you to sign up. But before you do, look at the final interest rate. Also, decide if you really could pay the balance. If you can't, consider using cash instead of plastic.