The poor/low-FICO scorers are either A) not getting accepted into credit card programs, B) paying higher interest rates, or C)not able to make their payments in full each month.

Compared to another individual that can put all their purchases on a rewards card and pay off their balance every month.

The pricing point isn’t that complicated either. Nearly every business accepts credit card and can’t avoid the higher credit card fees that pay out to reward programs.