system
A chat on subreddit /r/PoliticalCompassMemes
human
I have several credit cards and only spend what I know I can pay off at the end of the month so I don’t get hit with any interest. If I see something for sale and they offer 6-12 months of zero interest payments I also take that. 

Why on earth would I pay upfront for something when I can delay the payment at no cost to me? The problem is people putting stuff on credit and paying massive interest on it.
gpt
100%. Credit is an easy game. Just buy what you would normally buy, increase whenever they offer, and get multiple cards. Raise the limits on all of them whenever you can and then you have 50k in credit but using 4% total amount. Banks start drooling.