Credit cards always have higher rates than all other types of loans

Usually, in defense of credit cardsbuy good cc, bankers say: Yes, the rates are higher, but you only pay interest on the amount you spent, and not on the entire credit limit.

This is true, but the absolute majority of people, having failed to meet the grace period once or twice, slowly choose the credit limit shop sell cvvuntil the very end. As a result, they still have the usual consumer credit for 100-120 thousand rubles, only at a higher percentage.

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