Sam regularly shops at his favourite department store. He spends at least £50 per transaction. His annual spend in the store totals approximately £1 500. However, for any large purchases Sam
researches prices across different retailers and purchases the goods from whichever retailer offers
the best deal.

Sam's favourite department store has offered him the opportunity to sign up for a store card to pay
for goods. Assess whether Sam should sign up for a store card as a method of payment.