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Private Label Credit Cards

For many consumers, private label credit cards (PLCCs)—also known as store-branded cards—seem like a great idea due to initial discounts (e.g., 15 percent of their first purchase) and rewards programs. However, many consumers soon find that these cards are too good to be true due to excessive fees, penalties, and deceptive terms, like introductory teaser rates.

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Deferred Interest Survey
Deferred Interest Survey

See US consumer survey results on attitudes toward credit