The other major advantage of credit cards is consumer protection. Generally speaking you can’t file a dispute or do a charge back on a debit transaction – or at least it’s very difficult and time-consuming. Credit cards offer a certain amount of peace-of-mind when it comes to things like fraudulent transactions.

She said another problem the company ran into in recent years was that its stores’ hours didn’t always align with that of the malls where they are located.

That’s the case where I live: the mall opens at 10, but the Bay doesn’t open until 11.

I’ve also found it hard to identify their target audience. With women’s clothes, for example, they have a ton of stuff that says “hi, I’m 21” and a ton of stuff that says “hi, I’m 75” and… not really a lot in between. It’s pretty confusing.