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The British consumer may still like to hang on to his cash and may still harbour vaguely puritanical suspicions about credit cards, but there are indications that old habits, though they die hard, are nevertheless dying. In this article, Ingrid Hayles explains the benefits which the own‐brand credit card offers to even the smaller retailer in terms of customer loyalty and increased ‘add on’ sales, and all for a surprisingly low cost.

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