RE: The Uncomfortably High Cost of Existence
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The credit card rate is absolutely crazy!
I gave up on my credit card many years ago and I am perfectly happy without it.
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Some of the rates are insane, when you count all the extra fees they tag on. I don't have that kind of card, and the few cards I do have I only use because they are sometimes required when you travel and need to rent a car or reserve a hotel room.