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Well, it makes sense. People with great credit make banks little to no money/profit after all is said and done. Subprime (risky) credit and loans are the only way to make profits skyrocket.
If you were a bank and could give a mortgage to a guy at 4% or 10%, well... of course a 10% interest rate is better than a 3 1/2 or 4. Same thing with cards. No risk, no reward
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