Passage Summary: Most people use credit cards just to avoid carrying cash and pay them off immediately. Since companies try to win customers by offering what they want, they will probably focus on making the cards easier to use rather than lowering interest rates.

Conclusion: Credit card companies will likely compete by focusing on convenience features rather than interest rates.

Reasoning: Most consumers use credit cards for convenience and pay them off before interest accrues, and companies typically compete by improving the services their customers care about most.

Analysis: This is a 'Complete the Argument' task, which functions like a 'Must Be True' question. You need to synthesize the two premises: the majority of customers don't care about interest, and companies cater to what customers care about. Therefore, the logical outcome is that the competition will shift toward non-interest perks like rewards or transaction ease. It’s a classic case of businesses following the 'majority rule' of consumer demand to stay competitive.