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POPSOverspending -- not credit card fine print -- is the problem Too many people look for somebody to blame for their inability to control their own spending. Yes, credit cards and banks maintain usurious policies to snag the unsuspecting. So, don't be unsuspecting. Get a no-fee card, limit your spending, and pay the full balance each month. If you do that, you get an interest-free loan each billing cycle, and the joke's on the bank.