报告强调信用卡“不公平”,使中低收入者中的富裕用户受益。 Report highlights credit card 'fee inequity,' benefiting wealthier users over middle and lower-income individuals.

经济学家Alexei Alexandrov的新报告强调,信用卡福利存在差异,中低收入个人支付的费用比他们得到的奖励要多,而较富裕的人则受益更多。 Economist Alexei Alexandrov's new report highlights a disparity in credit card benefits, with middle and lower-income individuals paying more in fees than they receive in rewards, unlike wealthier individuals who benefit more. 亚历山德罗(Alexandrov)提出, 可以通过推广现收现付的后期方案、学校金融教育、现金交易折扣、促进金融科技企业的竞争, 解决这种“不平等”问题。 Alexandrov suggests this "fee inequity" can be addressed through promoting buy-now-pay-later programs, financial education in schools, merchant discounts for cash payments, and fostering competition from fintech firms. 然而,经济学家E.J. However, economist E.J. Antoni不同意,提醒说上限收费可能会限制信用得分高的人获得信贷的机会。 Antoni disagrees, cautioning that capping fees could limit credit access for those with good credit scores.