That is true and many have a variety of accounts. But how many are breaking it up into 30 accounts and posting out of them?
So you are saying that someone with a lot of accounts could break them up and get the APR by working the multitude of accounts?
How would that work?
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You were proposing differentiated APR for HBD in savings, based on the amount of HP the account has, and that doesn't require any work apart from splitting the HBD in alts.
For HP, not sure how differentiated APR would work. Based on what? But I agree (from the experience of working with only a few accounts at most, and for different purposes), that if one has to grow each account actively, this isn't working, because time is finite.
Ah yes. For the HBD that is true. That is why it was just a thought exercise. It is an absurd approach and not one being advocated.
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