the above was all clumped together.......here's the answer to your first question......
No, it is not a credit card, it is called Joann's VIP discount card.
you have to belong to a guild, an association or some quilting group...which of course, most of us do.......
Looking up the name for you, I just noticed that it must be renewed yearly and mine is just about due for renewal.......
thanks for the notice !!!!!!!!!
Worth getting, it doesn't cost anything but the time to register.
MaryJane