21.47% ?
I just got a 30% notice from someone.
Don’t care. I pay ‘em off is I use ‘em.
That 21% seems to have been charged for years. As you say, pay them off every month and you don’t notice, knock on wood. However, carry cash because many businesses are adding fees when cc are used.
Sure, times are hard but then people overspend and cause it to get harder. It is party mecca here with $$$ weekend rentals always full. Sorry, but if people are struggling then skip the vacation. There are plenty of free things to do and see in their own towns. I can’t think right now due to all the lawn crews which cost an arm and a leg. If you physically can, mow your own yard (waving hand) and use that money on the utility bill and you might get in better shape. No, you don’t need a new vehicle just because the neighbor got one. No, you don’t need enough shoes to stock a shoe store. No, you don’t need to go to the movies when there is the entire internet with movies. No, you do NOT need to eat out and waste an entire week’s pay on that one hour.