The fact is everyone is speculating unless we are insiders. Your opinion on 10 percent does not hold good because you are not looking at the broader picture...check on Saturday’s the deals tab has disappeared implying zip is creating a 10 percent cash back permenantly for Saturday’s which everyone will talk about and relate to zip. Of course it will not be possible for purchase other than discretionary and once zip gets enough sponsors for 10 percent cash back zip will reduce the applicability. The same thing is progressing for the 3 percent, it’s a trail and error learning.
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