when i was a college student i saw those credit card ads posted on the college campus
and I thought that the APR was interest that had to be always paid as the cost of using a credit card
otherwise, why would they display the APR rate so prominently in the ads?
so I thought “so you spend $100 with your card and then afterwards pay with $112 out of your bank? thats.. unnecessary”
and never used a credit card until 9 years later