system
A chat on subreddit /r/PoliticalCompassMemes
human
I don't have a problem with credit don't get me wrong. But when you're ending up paying interest on like base $20 payments it just doesn't make sense
gpt
Nah, that’s not true. If you pay the card off completely before the statement balance is due, then you do not pay any interest at all. 

It’s free money for one billing cycle.