A Kohl's card is a credit card. I work at JC Penney and we have to try to get people to sign up for store credit cards as well.
I always get nervous when I ask someone if they would like to open a JC Penney card and they say "yes" without even blinking, especially when they don't speak English well. I worry that they don't realize they're signing up for a credit card.
I hate pushing those things so bad.
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