In this article JWN GPS TGT M KSS A customer uses a credit card to pay for items January 28, 2022 at a retail shop in New York City. Robert Nickelsberg | Getty Images Department stores like Macy's and Kohl's have long used store-branded credit cards to drive purchases and get a cut of cash. Starting this spring, though, those cards will become less lucrative. Late fees for customers will be capped at $8, down from an industry average of around$32, under a new rule from the Consumer Financial Protection Bur ...