1) Receiving an invitation to look at something from a friend is much more effective than getting a sales-pitch phone call during dinner.
2) Having the opportunity to earn money to spread the news also motivates people to go ahead and apply for a card… especially when it's NO FEE. Since credit cards can generate profit for the issuing bank, the bank is willing to "buy" the Cardholder. This is like any other good business investment for the bank.
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