I’m surprised that you’re surprised about this. Credit card bills are the original dark pattern. Every other bill you receive has a single number in a box that

I’m surprised that you’re surprised about this. Credit card bills are the original dark pattern. Every other bill you receive has a single number in a box that says “pay this amount”, and when you pay that amount, you’re done. But with credit card bills, the number in the “pay this” box doesn’t mean you’re done, it means that you’re going to keep paying forever. It took a literal act of Congress (CARD Act - 2009) to force them to add the disclosure to the bill that making the minimum payment would increase the time and interest you’d be paying.