You write this as though everybody who has a credit card pays...

You write this as though everybody who has a credit card pays interest? It could not be further from the truth.

A card card is a way of getting free credit for up to 45 days before paying back the full amount.

If you do not pay the full amount then you will be hit with very high interest rate up to 18 plus percent.

If you use the service of a credit card as it should be used, the only fee per payable per year is the yearly account fee of approx $90.

I never pay interest. I will repeat that statement for the stupid. "I never pay any yearly interest" period.

It pays to know what you are doing.

There's an old saying " You cannot legistrate for stupidity"

GLTA