We cut most of the cards as a silent demonstration to these card issuers.
Well, a new reformed way on expenses is needed: no cash no expenses to minimize your loss!
Annual interest rate of 33% is high enough, but the Hang Gone, Stupid Charcoal and who knows the Zulu Compress is increasing interests rate to 39% p.a. or even 49%!
When you pass your card to the shop, think for ten seconds!