system
A chat on subreddit /r/wallstreetbets
human
How the heck does a credit card lose money for the card company?   Legit don't understand how they could lose a billion dollars.   Way too much advertising and not enough users?
gpt
Fraud is my bet. Crims setting up stolen ID's with lines of credit, then when the real person initates an investigation, ultimately it's the credit provider who failed in their due diligence so gets left holding the bag.