Who loses and gains most from credit card companies' policies...please be precise.?

Question

Who loses and gains most from credit card companies' policies...please be precise.?

Answer 1

The credit card companies are there to make a profit.  They profit from finance charges. late fees and overlimit fees.  If the consumer pays their debt in full every month, the credit card company makes nothing from them.  Of course they prefer the people that make only minimum payments every month.   ***

Answer 2

Credit card companies make policies so that they can make money....they gain.....is that precise enough?   its basic econ.