[trophycase]

Somewhat disagree. Not only do these spending bonuses encourage endebtedness and consumerism, but don't forget that such bonuses likely aren't offered the the poor (read: bad credit score), and the credit card companies use and sell your information to advertisers (and probably hedge funds) while credit rating agencies likely do the same and are basically not held accountable (see Equifax).

If these are companies like JP Morgan - Chase, then let's also not forget how they were helped by the American taxpayer during the recession and that basically nobody was held accountable.

I'm also of the opinion that it is basically impossible for any corporation to do business ethically, so I largely have no problem with it.