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The Simplicity credit card from Citigroup has had staying power, suggesting that a card without late fees can be profitable. Its success shows how the U.S. card market might look different under a controversial CFPB proposal to slash those charges.

United statesChi wuStephen birdAndy barrPatrick mchenryJudson linvilleTed rossmanJialan wangDaniel acker bloombergConsumer financial protection bureauGoldman sachsConsumer bankers associationUniversity of illinoisNational consumer law centerHouse financial services committeeCiti mastercard