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From Twitter

Alex Rampell@arampell

21/ More on how credit cards work today and their history: https://t.co/qHDvWcxIvl

Alex Rampell@arampell

19/ Eventually, BankAmericard became a non-profit consortium called Visa -- uniting many banks with competing credit cards. A competing consortium called MasterCharge, later MasterCard, did the same with another set of banks. https://t.co/B5rGiBOWWH

Alex Rampell@arampell

17/ And more broadly -- and this is now illegal -- simply giving people cards without having them apply, and without them understanding the consequences of wanton spending, created far more bad debt than BoA had ever seen (on a customer % basis).