Funny photo about credit, debt & reward.
It finally hit Dave that his 1% cash back reward was not offsetting his credit cards 26% interest rate.
AI Fact: When you pay only the minimum balance each month, most of that payment often goes toward interest rather than the actual purchase. This means a relatively small charge can take years to fully pay off and end up costing significantly more than its original price. This content was created in January 2026.
Tags: #credit #debt #reward