I answered that they give the customer more spending power and/or the company more money through interest. My interviewer said the first part was right, but Kohl's really doesn't make extra money from credit cards (not too sure about that... if not individual stores, the corporation definitely benefits from interest and late payments, plus the potential for bigger purchases since customers can buy on credit). Before he told me what the best answer was, he asked where I thought most Kohl's ads go. I said online, but he told me it was actually the newspaper. He said that since most department store ads go in newspapers but people don't really read newspapers anymore, they needed a new way to market. Credit cards let them send out extra ads and tailor what kind of coupons get sent out, since the company can look up exactly what products the customer buys.