They can tempt customers with discounts and short-term low interest rates, but a New York congressman is warning people to stay away from store credit cards as the holiday shopping season gets underway.

U.S. Rep. Anthony Weiner released a study Sunday that shows some store credit cards have interest rates that are substantially higher than regular credit cards.

The lawmaker said his office reviewed 35 major retail store websites and found that the average store credit card rate is about 24 percent.

The national annual interest rate on traditional credit cars is less than 15 percent.

Weiner has introduced legislation to require companies to disclose interest rates, grace periods and annual fees for credit cards at the time consumers sign up for them.