If you have a credit card balance and are living worst than an indentured servant to the credit card issuer you need to know this. The effective annual interest rate on credit cards amount to 40 to 60 percent. If you were to pay the minimum balance of the credit card it would take you 130 years to pay off the alleged debt. Mind you I said alleged debt since it has been proven in the court of law that these usurers attempt to collect money without a contract.
Love that I can buy up to 5000 worth of coins on my new ANA Credit Card. Thanks, ANA!