I'd bet a significant percentage of those are store cards taken out for discounts. In case they don't do this in your country, retailers here often offer credit

I'd bet a significant percentage of those are store cards taken out for discounts. In case they don't do this in your country, retailers here often offer credit cards that: - offer instant, in-store acceptance - have no annual fees - give you discounts when used at the store So when you checkout at e.g. J.Crew, they might say "hey, if you take 5 minutes and apply for a J.Crew card, we'll knock $50 off your purchase right now."