Easy. There's a few customer profile: 1) People who will always pay it in full 2) People who incorrectly think they're 1) but wont pay in full for some reason 3

Easy. There's a few customer profile: 1) People who will always pay it in full 2) People who incorrectly think they're 1) but wont pay in full for some reason 3) People that don't understand the cost of 20% APR 4) People that need the money and don't have a choice Plus CC make money on transaction fees and sometimes annual fees.