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Use https://go.nebula.tv/polymatter for 40% off an annual subscription of Nebula (that's just $3/month!)You can also gift a Nebula subscription: http://gift.nebula.tv/polymatterOr buy Lifetime access: https://go.nebula.tv/lifetime?ref=polymatterWatch this video ad-free on Nebula: https://nebula.tv/videos/polymatter-the-surprising-way-credit-cards-make-moneySources: https://docs.google.com/document/d/1NOPt2KITfb1JYkp7MvawWijwb7htb7j9nU6auMo_nNg/edit?usp=sharingTwitter: https://twitter.com/polymattersReddit: https://reddit.com/r/PolyMatterEmail: polymatter@standard.tvSupport independent creators like PolyMatter on Nebula: https://go.nebula.tv/polymatterHow I Make These Videos: https://skl.sh/2OW1YQRAudio Editing by Donovan BullenMotion Graphics by Vincent de LangenWriting, Thumbnail Design, and Direction by EvanThis includes a paid sponsorship (Nebula) which had no part in the writing, editing, or production of the rest of the video.None of the credit cards in this video paid to be mentioned. The numbers and figures used for interchange and other fees are examples only.With music from Epidemic Sound: http://epidemicsound.comWith video from Getty ImagesWith video from ReutersWith maps provided by MapTiler/OpenStreetMap Contributors and GEOlayers 3 Learn more about your ad choices. Visit megaphone.fm/adchoices