Ugh...I always feel so bad having to decline the store cards, I apologize profusely to the store associates when they ask.
Usually it's something along the lines of, "I'm sorry, I know you guys have to ask, but I can't open a credit card today."
Especially when you look at APR on the average store credit card. I opened a Victoria Secret card in College with a 29% interest rate! Once I actually was smart enough to realize what that translated into, I cut the card up for good!
Though no one ever really explained the B&N rewards card to me so I always declined.
One day, the geek-chic boy at the counter was commenting on my awesome stack of sci-fi and fantasy novels and kindly explained how it worked, so I signed up right away.
Here's wishing B&N slaves a large group of book-loving nerds eager to sign up!