Fair point. We could probably term that the "unnoticed terms" risk and assign a non-zero value to it. I'd only say two things in defense of credit card use (bo

Fair point. We could probably term that the "unnoticed terms" risk and assign a non-zero value to it. I'd only say two things in defense of credit card use (both valid in the US - not sure about other countries): - Credit card companies are required to compile all of the information I mentioned into a fairly standardized form per the Truth in Lending Act (see: https://www.federalregister.gov/articles/2010/02/22/2010-624/truth-in-lending#h-253 https://www.federalregister.gov/articles/2010/02/22/2010-624... ) - Credit card companies are competing for your business. At least with decent credit scores, it doesn't make sense for them to have unreasonable terms or try to screw you over