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You are right. The Bealls credit cards can only be used at Bealls stores. Also, you won’t be able to use the card at ATMs to withdraw money. If you want a credit card which can be used everywhere, including at Bealls locations, you can apply for a regular credit card, not a store card. A regular credit card can be used everywhere it is accepted and will allow you to earn cash back or point rewards on all your purchases. You won’t be tied to a particular store in interest rate will be lower than on a store credit card.