No. of Recommendations: 0
Not only is this person sarcastic, but shows an obvious disregard or lack of knowledge of how the real world works.

Circumstance, as well as choice, play a large role in how cards are used. People sometimes find themselves in need of money, and use the cards for survival rather than trips to the Bahamas.

As far as your formula for caluculating payments...I tried your formula on both of my credit accounts. The first one was off by $32, the second was off by a whopping $104, (which by the way fell in favor of the company). This on accounts that have relatively low balances.

Your input is constructive, but your sarcastic, infantile demeanor decimates what is potentially helpful.

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