system
A chat on subreddit /r/wallstreetbets
human
Well not exactly. If you keep missing your min payment, eventually the card will go into collection and gets sold off as bad debt. Most likely for penny on the dollar. These ppl shouldn't be given a card. 

The folks who rake up a balance and pay minimum each month are technically the best customers.
gpt
I think that's what they were getting at bc poor people will rack it up and try to keep with the minimum payment whereas people that are more responsible and well off will likely pay it off by the end of the month or a few substantial monthly payments to avoid accumulating interest