I fit right in the FL stats, but I have a good excuse. A years ago I had the house ductwork replaced, and I signed a finance agreement thinking it was a loan like a car loan. It turned out to be a credit card application, and the loan was a credit card purchase at a special rate. So now I have a credit card balance which I’m paying off double time so I can go back to zero balancing my cards every month.
We almost got scammed like that once many years ago.
We were in an airport and these guys were at a table promoting frequent flyer miles. Sounded real good but it turned out to be that you signed up for a credit card, but they weren’t telling you that part.
We were PISSED when we found out. Read the company the riot act about fraudulently representing the card, and got out of it, and NEVER fell for anything like that again.