又来一篇吐槽信用卡interchange fee的paper
https://www.nber.org/digest/202607/redistributive-impact-credit-card-interchange-fees?page=1&perPage=50 https://www.nber.org/digest/202607/redistributive-impact-credit-card-interchange-fees?page=1&perPage=50 “The researchers’ analysis using these datasets suggests that interchange fees transfer approximately $30 billion annually from cash and debit card users to credit card users. Cash users lose about 96 basis points of purchasing power, and regulated debit card users lose roughly 47 basis points, while basic and premium credit card users gain approximately 48 and 59 basis points, respectively. Because credit card use rises with income, the system generates an estimated $9.2 billion annual transfer from households earning less than $150,000 to those earning more.” 使用现金的debit相当于每年给信用卡使用者转移300亿美元，信用卡积分也有利于高收入人群，高收入人群更喜欢用返现多积分多的信用卡，每年使用信用卡的穷人向使用信用卡的富人转移92亿美元
this is America in us creditcard god we trust