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                                                                      EXHIBIT 24


                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


The undersigned director and/or officer of The Credit Store, Inc., a Delaware
corporation (the "Company"), does hereby make, constitute and appoint Kevin T.
Riordan and Michael J. Philippe, and any one of them, the undersigned's true and
lawful attorneys-in-fact, with power of substitution, for the undersigned and in
the undersigned's name, place and stead, to sign and affix the undersigned's
name as such director and/or officer of said Corporation to a Registration
Statement or Registration Statements, on Form S-8 or other applicable form, and
all amendments, including post-effective amendments, thereto, to be filed by the
Company with the Securities and Exchange Commission, Washington, D.C., in
connection with the registration under the Securities Act of 1933, of shares of
Common Stock of the Company authorized for issuance under the Company's
Non-Qualified Stock Option Agreements by and between the Company and each of
Avrom S. Waxman and Robert M. Stata, and to file the same, with all exhibits
thereto and other supporting documents, with said Commission, granting unto said
attorneys-in-fact, and either of them, full power and authority to do and
perform any and all acts necessary or incidental to the performance and
execution of the powers herein expressly granted.

               IN WITNESS WHEREOF, the undersigned has hereunto set the
undersigned's hand this 14th day of December, 2000.



                                       /s/  Jay L. Botchman
                                       -----------------------------------------
                                            Jay L. Botchman








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                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


The undersigned director and/or officer of The Credit Store, Inc., a Delaware
corporation (the "Company"), does hereby make, constitute and appoint Kevin T.
Riordan and Michael J. Philippe, and any one of them, the undersigned's true and
lawful attorneys-in-fact, with power of substitution, for the undersigned and in
the undersigned's name, place and stead, to sign and affix the undersigned's
name as such director and/or officer of said Corporation to a Registration
Statement or Registration Statements, on Form S-8 or other applicable form, and
all amendments, including post-effective amendments, thereto, to be filed by the
Company with the Securities and Exchange Commission, Washington, D.C., in
connection with the registration under the Securities Act of 1933, of shares of
Common Stock of the Company authorized for issuance under the Company's
Non-Qualified Stock Option Agreements by and between the Company and each of
Avrom S. Waxman and Robert M. Stata, and to file the same, with all exhibits
thereto and other supporting documents, with said Commission, granting unto said
attorneys-in-fact, and either of them, full power and authority to do and
perform any and all acts necessary or incidental to the performance and
execution of the powers herein expressly granted.

               IN WITNESS WHEREOF, the undersigned has hereunto set the
undersigned's hand this 14th day of December, 2000.



                                       /s/  Barry E. Breeman
                                       -----------------------------------------
                                            Barry E. Breeman









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                             THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


The undersigned director and/or officer of The Credit Store, Inc., a Delaware
corporation (the "Company"), does hereby make, constitute and appoint Kevin T.
Riordan and Michael J. Philippe, and any one of them, the undersigned's true and
lawful attorneys-in-fact, with power of substitution, for the undersigned and in
the undersigned's name, place and stead, to sign and affix the undersigned's
name as such director and/or officer of said Corporation to a Registration
Statement or Registration Statements, on Form S-8 or other applicable form, and
all amendments, including post-effective amendments, thereto, to be filed by the
Company with the Securities and Exchange Commission, Washington, D.C., in
connection with the registration under the Securities Act of 1933, of shares of
Common Stock of the Company authorized for issuance under the Company's
Non-Qualified Stock Option Agreements by and between the Company and each of
Avrom S. Waxman and Robert M. Stata, and to file the same, with all exhibits
thereto and other supporting documents, with said Commission, granting unto said
attorneys-in-fact, and either of them, full power and authority to do and
perform any and all acts necessary or incidental to the performance and
execution of the powers herein expressly granted.

               IN WITNESS WHEREOF, the undersigned has hereunto set the
undersigned's hand this 14th day of December, 2000.




                                       /s/  J. Richard Budd, III
                                       -----------------------------------------
                                            J. Richard Budd, III





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                              THE CREDIT STORE, INC

                                Power of Attorney
                           of Director and/or Officer


The undersigned director and/or officer of The Credit Store, Inc., a Delaware
corporation (the "Company"), does hereby make, constitute and appoint Kevin T.
Riordan and Michael J. Philippe, and any one of them, the undersigned's true and
lawful attorneys-in-fact, with power of substitution, for the undersigned and in
the undersigned's name, place and stead, to sign and affix the undersigned's
name as such director and/or officer of said Corporation to a Registration
Statement or Registration Statements, on Form S-8 or other applicable form, and
all amendments, including post-effective amendments, thereto, to be filed by the
Company with the Securities and Exchange Commission, Washington, D.C., in
connection with the registration under the Securities Act of 1933, of shares of
Common Stock of the Company authorized for issuance under the Company's
Non-Qualified Stock Option Agreements by and between the Company and each of
Avrom S. Waxman and Robert M. Stata, and to file the same, with all exhibits
thereto and other supporting documents, with said Commission, granting unto said
attorneys-in-fact, and either of them, full power and authority to do and
perform any and all acts necessary or incidental to the performance and
execution of the powers herein expressly granted.

               IN WITNESS WHEREOF, the undersigned has hereunto set the
undersigned's hand this 14th day of December, 2000.




                                       /s/  Geoffrey A. Thompson
                                       -----------------------------------------
                                            Geoffrey A. Thompson