Oh yes there is... Do the math. It is a scam. We are paying interest on interest. A lot of folks have no clue this is what they are actually paying so the banks are getting away with it.
Yep, don’t pay the interest and the interest owed is added to the principle [rather than being thrown in debtors’ prison].
Quite simple. It’s just math. Many ways to calculate Interest.
Daze v. Months v. Years is all in the Fine Print.
YMMV
Take a course in Finance.