You’re not broke. You’re just stuck in reverse.
Credit cards aren’t tools — they’re traps. Even billionaire investor Warren Buffett warns against them, saying:
“If I borrowed money at 18% or 20%, I’d be broke.”
He’s right. High-interest debt kills progress. It turns your paycheck into an ATM for the banks.
But here’s what even Buffett didn’t mention:
Some cards offer 0% APR for up to 21 months — meaning you can press pause on interest and start actually winning.
With the right card: ✅ Your payments reduce your balance — not just feed the bank ✅ You save thousands in interest ✅ You take back control of your financial life
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