APT Margin Transaction Losses, page-94

  1. 2,494 Posts.
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    theres no advantage, its lose lose for everyone

    - retailer loses out because APT takes a bigger margin than CCs, including AMEX
    - Customer loses out because CCs provide credit for a longer period of time than APT
    - Customer loses out because APT doesnt provide any reward points / incentive scheme
    - Customer loses out because it feeds the "indulge now and worry about paying back later" mentality - i.e. poor financial literacy
 
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