system
A chat on subreddit /r/wallstreetbets
human
There are a lot of people I know who shouldn’t have a credit card or never had a credit card and they were immediately approved. Quite a few  didn’t even have jobs. I wonder why Goldman is losing money with that approach , I can’t seem to figure it out.
gpt
Credit card companies make most of their money off of people who shouldn't have cards. They are losing money on it because it has a lot of caps on fees and interest rates that other cards don't.