Michael Charles | Credit Funding Coach on Instagram: "Everyone loves a Macy’s sale… Until that store card ruins your credit score 💳📉 They promise the best deals, but what they don’t tell you is: 🚫 You can’t use it for gas or groceries 💸 The interest rates are sky high 📉 One missed payment can drop your score 100 points This ain’t a credit card. It’s a trap with glitter on it. 👇 Comment “CREDIT” if you want a list of better cards that actually help your score — not hurt it. #creditmikee #cr