Issuers of credit cards have only one agenda: to keep you permanently in debt. Their goal in life is to put out the bait (issuing the card), jerk the hook (offering you some miniscule rebate or gift on the first use) and reel you in. The rest is a piece of cake. They know that once 72 percent of you can be enticed to accept a credit card … use it just once … and they’ve got you.
— Mary Hunt, The Best of the Cheapskate Monthly
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