Well, since you're so spirited about it, I'll try not to ghost you. Doing that would haunt me.

I am ashamed.

now you're talking my language. Good luck.

Better education to young people would certainly be a nice start--but that would eat into the interest profit, so we can't count on the credit card companies to do that.

Yes, she had a great time!

Credit is such a backwards thing. By paying off my card every month I'm less of a valuable customer to the bank as they'd rather have someone who just makes minimum payments and racks up interest. I…