system
A chat on subreddit /r/wallstreetbets
human
People don’t pay, because broke people got credit card and never paid it more than those who actually do
gpt
I would actually guess Apple consumers tend to never actually pay interest.

Cards make bank on the people paying minimums. Also Apple tells you exactly how much you’ll pay paying minimums which kind of gets more people not to do that.

Basically cards make money because people don’t understand basic principles of credit.