Garth was amazed to hear that his friend Lindsey always pays off
her credit card balance each month. Garth just assumed that
everyone used credit cards the same way - buy now, pay later -
only in his case, months later. He buys almost everything he needs
or wants, including clothes, food, and entertainment with his
card. When Lindsey asked him about the balance calculation method,
APR, grace period, or other fees and features of his card, Garth
was clueless....