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In addition to what everyone else in this thread has already covered, the credit card issuers benefit from you having that card in your wallet because they charge the merchant for every transaction. So you’re having the merchant pay the credit card company with every swipe, in exchange for whatever benefits the card provides to you.
Okay, I actually do need to seek. However, something about going out over bluetooth instead of over the headphone jack has made it work, so… no idea, but there you go. (Or maybe it’s something else that I did, but, either way, it’s working, so… cool.)