My first credit card was through my credit union and it charged something like 9% interest. It was amazing and I should have just stuck with that one. Now, that's basically the only one I use, but the rate has gone up a bit as is the case across the board. I think for people like me and you, the 10% is probably a great idea, unfortunately, most of the world doesn't have any money skills these days and I have a feeling while it could boost the economy, it might just equate to a slower demise for some.
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