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  2. Credit card - Wikipedia

    en.wikipedia.org/wiki/Credit_card

    Unlike unused gift cards, in whose case the breakage in certain U.S. states goes to the state's treasury, [130] unredeemed credit card points are retained by the issuer. [131] A 2010 public policy study conducted by the Federal Reserve concluded cash back reward programs result in a monetary transfer from low-income to high-income households.

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