In my opinion, management spends too much time pushing employees to get credit card applications, especially during times when there are not many incentives for a customer to get a credit card. This gets rather irritating after awhile-even if you try to promote credit cards every day, you will not necessarily make your goal. While associates are rewarded for making credit goals, you do not usually get into a lot of trouble for not making them. The starting pay is not good, and raises are minimal and rare. Overall, though, I think this is a great position for people who need flexible hours; such as students, parents of young kids, and those who need a second job for extra income. I would not reccomend this position for those seeking full-time work, unless you will be working on commission.