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Look—if you have 3 credit cards, there’s a very good chance you’re doing this thing that feels normal… but it can quietly cost you 10,000 in interest. And the wild part is it’s not because you’re “bad with money.” It’s because the system is designed to make a very specific mistake feel like progress. ​ My name is Victor and I spend way too much time thinking about credit card interest, debt payoff strategies, and why smart people keep getting trapped by “minimum payments.”