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I am writing to express my deep concerns regarding the recent move by the U.S. Senate to eliminate rewards points, a decision that seems to unfairly favor big-box stores over consumers like myself who have limited financial resources and rely on these points to save money on essential expenses such as gas, and to facilitate travel to see my family.

As a college student working as a waitress, I understand the value of every dollar earned. With a job that depends heavily on tips, my income is often inconsistent and limited. That’s why credit card rewards have been a lifeline for me. I rely on these rewards points to save money, especially when it comes to purchasing gas. By utilizing these points to reduce the price at the pump, I am able to stretch my limited funds further, enabling me to keep up with the ever-increasing costs of commuting to work and college.

Moreover, as a student living away from family, the rewards points I have accumulated through responsible credit card usage have made it possible for me to visit my loved ones during holidays and special occasions. The ability to redeem these points for discounted airfare has allowed me to maintain a vital connection with my family despite the financial limitations I face. The thought of losing this opportunity due to the proposed elimination of rewards points is deeply distressing.

It is disheartening to learn that the U.S. Senate is considering measures that would eliminate rewards points. This move, seemingly disguised as a bail out for big-box stores, will have a devastating impact on consumers like me, who rely on these benefits to cope with the challenges of limited financial resources and irregular income. While big-box stores may argue that interchange fees burden them, it is the consumers who will bear the brunt if rewards programs are eliminated.

The move to eliminate rewards points not only disregards the needs of financially constrained individuals but also creates an unfair advantage in favor of big-box stores. Instead of completely doing away with rewards programs, I urge the U.S. Senate to explore alternative solutions that address the concerns of both big-box retailers and consumers. Finding a balanced approach will ensure that rewards points continue to serve as a vital resource, benefiting consumers while supporting the growth of businesses.

I implore the lawmakers in the U.S. Senate to reconsider this decision and take into account the voices of young individuals who, like me, rely on rewards points to save money on essential expenses like gas and to maintain connections with loved ones through affordable travel options. It is crucial to prioritize the interests of consumers and promote financial inclusivity and accessibility, rather than providing unnecessary bailouts to big box stores at the expense of young individuals like me.