Are Credit Cards Making Our Lives Easier?

I think if you prey on the failure of your customers, your customers are always going to be looking for alternatives. So there's a large portion of consumers that are very actively staying away from getting a credit card. And so yeah, we are providing an alternative to these consumers. But then it kind of begs the question here, right? Are you really winning over the credit card customer? Or are you actually providing product to a customer who would have typically never either gotten a credit card or would have applied for it?

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