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<That being the case, how ethical/moral is it for banks to issue credit cards to any and everyone, knowing that the ONLY way they make money is from people who cannot pay them off?>

The CC companies have no way of knowing whether you can pay them off in full every month. If you live below your means, you can. I pay mine off every month in full. I just don't charge more than I can afford to pay when the bill comes in.

And like a previous poster noted, the CC companies do make money off of the merchants.

electrasmom
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