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Swipe, tap, or click — today, almost everything can be bought with “plastic money.” Credit cards have quietly replaced cash in shopping, travel, dining, and even emergency loans. For young people especially, the convenience is unmatched: you can buy now and pay later without immediate cash in hand. Credit card companies sweeten the deal with cashback, discounts, and reward points — turning every purchase into a small victory. But behind every offer is a carefully designed system that ensures banks still make money. Here’s how.
