The word that can have different functions. That may function as a relative pronoun, referring to something or someone already mentioned.
| Correct: |
The important thing is to find a school that is right for you.
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| Correct: |
If you shop around, you may find banks that offer rates that are twice those of other banks.
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Please note that that can refer to both singular and plural nouns and that those is not the plural of that.
| Incorrect: |
There are many banks those offer you credit cards.
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| Correct: |
There are many banks that offer you credit cards.
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