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How To Credit Card Companies Make Money : How Credit Card Companies Make Their Money | True Merchant - Use reward and cash back credit cards there are two types of credit cards for you to make money with, rewards cards and cash back cards. . Credit card rates can be notoriously high, and minimum payments hardly make a dent in your loan balance, allowing your debt to linger and generate profits. With this arrangement, a consumer pays a debt settlement company a monthly payment. This worked out to be 36% to 48% annually. The interest rate charge is applied to the balance outstanding amount from month to month. Credit card companies make money from cardholders in several ways: Since the interest rate you qualify for greatly depends on your credit score, credit card companies often make more on consumers who have low scores since they pose a bigger lending risk. Credit card companies make the bulk of their money from three things: Interest, fees charged to cardholders, a...