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To understand how the credit-card industry got interested in psychology, you have to go way back, to a time when many Americans didn’t have a credit card, when almost every company charged the same interest rate regardless of a cardholder’s riskiness and when people often paid off their entire balance each month. All the way back, that is, to the 1980s.
What Does Your Credit-Card Company Know About You? - NYTimes.com Lots of blogs pointing at this one today, including some tangential thinking on O’Reilly. (via Give Me Something To Read)
