Right now, people who are getting the free airline tickets or cash back while paying no late fees and paying no interest are the one who are kind of being subsidized by the people who are paying 30% interest and $35 late fees or $15 pay-by-phone fees.Well, I'm one of the people getting a huge cashback bonus, but it wasn't subsidized by anyone paying interset or fees. The merchant fees generated are roughly double the cashback award I receive.
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