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That neuters almost every mainstream credit card's interest charging ability.

Because of these two reasons, people overspend when using credit cards.

And we, in our naïve enthusiasm for speed and convenience, are adopting these payment methods uncritically.

These visceral factors entice them to include such vice products in their shopping baskets, even though they consider such products to be unhealthy.

When the bill is actually paid (say, once every month), the shopper is not able to attribute the payment to any one particular purchase.