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Applying For a Store-Branded Credit Card Won’t Hurt Your Score

Source: JFK Library

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There is a prevalent misconception that opening store-branded credit cards differs significantly from opening a general credit card issued by institutions like Chase Bank. Since store credit cards are usually restricted to use at the specific store where they are issued, many consumers erroneously perceive them as “private issue” cards or assume they do not impact their traditional credit reporting status. In reality, store credit cards are also issued by financial institutions and are reported to credit agencies in the same manner as any other type of credit card.

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