this post was submitted on 21 Jun 2025
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So your credit worthiness is equal to the amount of money (3% fee of each purchase?) you make for the bank that would otherwise go to the seller (or stay in your bank account if it's charged to the customer & not the store, but that is afaik rare, maybe not existent anymore).
So free monies you make for the bank = some potential loan possibility in the future.
Scammy af. But this exists all over the world (packaged as cashbacks that you regularly receive, eg 0.5% of everything you spend, not affecting your loans).