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I agree, gave up all my credit cards and other misc loans about 15 years ago and never looked back, way too much money wasted on interest and fees, figured out that trap long ago... I just pay cash now, no stress, no monthly worries, and best of all I don't overspend my means and everything I...

Although you might not like to hear this, I fully beg to differ on your opinion on the matter... Your failure to understand and/or read the contract you agreed to and signed does not make them dishonest when they follow the contract as written... Even if you don't agree with the policy now...