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Exclusive discounts, extra savings and cardholder-only events are just some of the perks that can accompany having a store credit card. And the incentives must be appealing because according to Equifax around 175 million of these accounts exist. But what if you don't like the idea of racking up extra debt just to enjoy those benefits? A growing number of retailers are offering store-branded debit cards where the cash to cover purchases comes right out of your bank account. But should you put one in your wallet?