# Inside the Mysterious World of Credit Cards (with Patrick McKenzie)

An episode of [EconTalk](https://invisiblenetwork.ai/podcast/135066958), 19 May 2025, 1 h 15 min.

Audio: https://cdn.simplecast.com/audio/6fdba516-8381-43b0-b29f-59d05512b693/episodes/d85a2cc7-f252-4e54-b131-5315fdf3adcb/audio/4fda50f2-a01e-446c-abe5-a58dcf4c51ad/default_tc.mp3?aid=rss_feed&feed=wgl4xEgL

Patrick McKenzie explains to EconTalk's Russ Roberts how credit cards work, who makes money from them and how, and gives his take on whether cash customers and debit card users subsidize the users of credit cards with reward programs.

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