TRUST ME — this task will go so much faster with the right tool. Close up the pudding shots with the lids and pop them in the freezer. Wait — can you freeze pudding shots? YES! Because these are pudding shots with alcohol (and a LOT of it, LOL),...
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Banks will simply stop issuing them to high-risk individuals. You may say this is a good thing, and maybe you're right. It may be good for people who are addicted to credit, for instance. There are many people who just want another chance to recover their credit score so that way they can someday afford a car or house--you'll definitely be harming them. Remember, the OP is talking about fully disclosed terms here: A national bank charging 79. 9 percent interest on a credit card is legal -- as long as the issuer fully discloses the terms as required by the federal Truth in Lending Act. There are some "evil" practices that credit card companies engage in, like raising the rates astronomically on delinquent payers. That kind of thing is why I don't use my credit card except as a way to build credit (I'm extremely careful). I'm not sure what should be done about that. However, something like what is described in OP--a straightforward high interest rate that is clearly spelled out to the cardholder--is not something I necessarily disagree with.
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