I don’t understand why people complain about the immorality of credit card companies. They tell you about the interest rates and late fees up front, and they are all avoidable. I have multiple credit cards, and I have never paid any late fees or interest. The credit card companies, on the other hand, have had to pay out quite a bit on my rewards program. If you don’t like the terms or can’t use credit responsibly, don’t ask for the card!
Darrin Bell and Theron Heir