"Bricks-and-mortar stores only know what the customers in their stores have bought and returned in the past, not what they've looked at and tried on, " she says.

WSJ: Clothing Shop Is Tailored to Digital Age

As she returned to the circuit of stores and used the cards, the credit limits grew.

NPR: Weak Housing Market May Not Be Signal to Buy

It is easy to understand why when new stores are typically profitable within three months and have returned the initial cash investment within a year.

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