I'm doing your company a favor by purchasing your goods or services. I'm not interested in signing up for your own charge card (a single-store charge card is so 1948) or your frequent buyer club no matter how much money I'll allegedly save by signing up. I prefer retailers that let me make my purchases and go without a lot of delay at the register.
Are you listening, Barnes and Noble? Carmike Cinemas? Carson Pirie Scott?
And Farm and Fleet, Office Max, Penney's: my zip code is none of your business.