Do you make credit cards from stores at the mall?

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0115 epiphany

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I own a debit card from a bank. And as I buy clothes from stores at the mall like express, banana republic, and more, they offer me their credit card so I can get some discount of purchase.

I don't make them because there might be some bad side like paying fees or something. Are they just normal credit card? What if I just make one to get the discount, and don't use them? or close them?
 
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