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Credit card companies create these reward programs in a way that incentivizes people to spend more than anticipated, trapping them in a vicious cycle of debt. Once you’re hooked, they can pull the ol’ bait and switch, completely revoking your rewards if you miss a payment. Rewards can be devalued at any time, making them worth less and causing you to spend more for the same perk—much like inflation. #americanexpress #amex #creditcard
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