At the individual level, leaving 2% or more of cashback and an interest-free loan of at least a month on the table is just a bad economic decision.
At the aggregate level, it of course costs everyone dearly, since the cashback is ultimately just paid for by consumers anyway – minus generous issuer profits.
At the aggregate level, it of course costs everyone dearly, since the cashback is ultimately just paid for by consumers anyway – minus generous issuer profits.