You are about to get married, and your Fiance’s FICO Score is 200 points lower than yours. Once you wed, your scores will be combined, and your mate’s low score will pull yours down.

When it comes to retail store credit cards, the advantages are often outweighed by the disadvantages. However, the best store credit cards offer some exceptions to the status quo. Some come with rewards and benefits worth pursuing, if you shop a lot at their stores.

Just in case you’re not familiar with USAA, it’s a large financial services provider that’s been around since 1922. I’ve been looking at their credit cards and the USAA Secured Credit Cards really caught my eye.

Send in one application to Orchard Bank, a subsidiary of HSBC, and you’ll be considered for four different cards. Based on your credit, you may be offered one of three unsecured credit cards or a secured card.

Wells Fargo bank announced Wednesday it will be offering free credit scores and credit reports to all of its customers through November 16, 2014 — you can get these scores by obtaining a personal access code from a Wells Fargo branch. The bank also has provided some credit management tips on its website as part of the promotion. Wells Fargo also offered free credit reports and credit scores in 2013 and 2012.