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

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We'd love to hear from you. Today is April 24th, 2025, and my guest is Patrick Mackenzie. He writes about tech, finance, and, as he describes it, the wonky geekery that underlies the modern world. He does that at his website, bits about money. He's also an advisor at Stripe.

Our topic for today is credit cards, the economics of credit cards and various aspects of credit cards. Patrick, welcome to Econ Talk. Thanks very much for having me. And I'll give the obligatory disclaimer when talking about all things credit cards. I used to work at Stripe for six years.

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