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3, 2015, file photo, customer Kirsty Carey, left, gets ready to swipe her credit card for clerk Marissa Pacchiarotti, as she makes one of the first purchases at the opening day for ...

Because you are poor, creditors charge you higher interest rates, making that borrowed money very expensive.

(AP Photo/David Goldman, File) less FILE - In this July 18, 2012, file photo, a pedestrian walks past credit card logos posted on a downtown storefront in Atlanta. 11, 2017, Equifax said it has made changes to address customer ... 3, 2015, file photo, customer Kirsty Carey, left, gets ready to swipe her credit card for clerk Marissa Pacchiarotti, as she makes one of the first purchases at the opening day for Amazon Books, the first brick-and-mortar retail store for online retail giant Amazon, in Seattle.

Although Amazon already dominates e-commerce, 90 percent of worldwide retail spending is still in brick-and-mortar stores, according to e Marketer.

That helps them preserve wealth while they enjoy the credit card's rewards program.

These people pay for the privilege via higher prices charged by the retailer.

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Stores are offering more and more rewards to shoppers who use their brand-name credit cards, but they are also cranking up the interest rates to pay for those benefits, according to a new study by Credit

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