Core Insights - A viral TikTok video highlighted consumer frustration with aggressive sales tactics for store credit cards, particularly at T.J. Maxx, where employees pressured customers despite refusals [1][2][4]. Group 1: Consumer Experience - The TikTok user expressed her annoyance at being pressured to sign up for a store credit card, even after declining the offer, with a supervisor suggesting an $18 discount as an incentive [1][2]. - The video resonated with many viewers, indicating a widespread issue of similar experiences across various retail stores [2]. Group 2: Retail Strategy - Retailers heavily promote store-branded credit cards as they contribute significantly to profits, accounting for approximately 8% of total gross profits for major retailers from 2018 to 2023 [5]. - Store credit cards are designed to enhance customer loyalty, encouraging repeat visits and increased spending, which can lead to higher consumer debt levels [6]. Group 3: Consumer Debt - As of August 2025, U.S. credit card debt reached $1.2 trillion, highlighting the financial implications of aggressive credit card marketing strategies [7].