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But then, as the economy recovered, credit card companies did not decrease their prices accordingly, despite seemingly lower risk of default, during the Covid-19 pandemic, issuers' margins and charge-off rates diverged even further.

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    Who said: "I disapprove of what you say, but I will defend to the death your right to say it."?
    A Mahatma Gandhi
    B Mark Twain
    C S. G. Tallentyre
    D Voltaire