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
I bet all low balances for those kind of folks. And credit companies with lose revenue in the short term but gain customers for life. Albeit bc they are stuck in debt with compounding interest at enormous percentages off of a small initial limit