Final answer:
A department store typically collects monthly payments from its customers in multiple ways, but credit cards are not one of them.
Step-by-step explanation:
A department store typically collects monthly payments from its customers in multiple ways. However, one way they don't collect payments is through credit cards. A credit card immediately transfers money from the credit card company's checking account to the seller, and at the end of the month, the user owes the money to the credit card company. Therefore, using a credit card is not considered a method of collecting monthly payments directly from customers.