Elwood had a decent credit rating, so he got a lot of credit card offers in the mail.
They were better than the high-interest service fee cards he’d gotten when he was poor and broke.
But he looked at the cashback offers for the store cards, and he noticed that they paid out less than other general bank cards for the same category.
So, he broke into his neighbors’ mailboxes with better credit ratings, got cards in their names, and ran up huge tabs.
Then he drove off to Mexico.
At least the neighbors got good cashback on his fraud.