If the use of credit cards varies among different geographic areas,a determination of trading areas on the basis of credit card analysis will not accurately reflect a store's trading area.

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If credit card usage varies among different geographic areas, then a trading area determined solely through credit card analysis may not accurately reflect a store's trading area. This is because some customers may use credit cards more frequently than others, and their buying habits may not be representative of the entire population in the area.

If the Use of Credit Cards Varies Among Different Geographic