Credit card companies still make plenty of money directly off of freeloaders in transaction fees that retailers have to pay. They might prefer you pay your minimum for a while and rack up some interest, but there's a black number on their bottom line either way.
It's a lot easier to miss the indirect contribution of freeloaders to a free to play game's bottom line. They maintain the game's activity level and ensure that the lower tier whales are never too far down the totem pole, but they do still contribute to the game's operating costs.
Credit card companies still make plenty of money directly off of freeloaders in transaction fees that retailers have to pay. They might prefer you pay your minimum for a while and rack up some interest, but there's a black number on their bottom line either way.
And this is a big part of why I've always been a pretty loyal AMEX user. They charge the highest fees to retailers (which is why most of them dislike AMEX, and many don't take it). But their customer service also seems like they work for YOU rather than for the retailer. Maybe it's all a facade, but it's been pretty effective for me so far.
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It's a lot easier to miss the indirect contribution of freeloaders to a free to play game's bottom line. They maintain the game's activity level and ensure that the lower tier whales are never too far down the totem pole, but they do still contribute to the game's operating costs.
And this is a big part of why I've always been a pretty loyal AMEX user. They charge the highest fees to retailers (which is why most of them dislike AMEX, and many don't take it). But their customer service also seems like they work for YOU rather than for the retailer. Maybe it's all a facade, but it's been pretty effective for me so far.