The Trap of Credit Cards is NOT the Interest Rate

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Everyone’s worried about credit card interest rates. But the real trap? It’s hiding in plain sight—with every single swipe.

This episode uncovers how Visa and Mastercard quietly built a duopoly that acts like a private tax on every transaction—funding flashy rewards for some, and pushing millions into debt. From spam mail in the 50s to $1.2 trillion in credit card balances today, we break down the infrastructure, the lawsuits, and the lobbying that keeps it all going.

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