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Q: Why have I been paying the same monthly fee on my credit card for years but the total debt has barely dropped?
A: You are trapped in an abusive credit system designed to indebt you eternally. By paying very small monthly installments, almost all your money goes to cover gigantic usurious interest, and you barely amortize the real capital you borrowed. Mathematically, the debt regenerates and seems to never end.
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Q: How can I know if the plastic I have in my wallet works with this highly dangerous and toxic system?
A: You must check your monthly receipt immediately. If your statement says you pay a very low fixed amount every month regardless of what you spend, and the Annual Interest Rate exceeds twenty percent, you are dealing with a highly damaging deferred payment card.
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Q: What emergency steps should I take today to manage to get out of this suffocating debt spiral once and for all?
A: Your first move must be to contact the bank and cancel the card so you can't spend another cent with it. Next, you must demand that they change your payment method to pay the maximum monthly fee you can afford, thus attacking the real capital and stopping the interest.
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Q: Is it true that I can sue the bank and get them to return all the extra money I have overpaid?
A: Yes, justice has repeatedly ruled that the disproportionate interest of these financial products constitutes legal usury. If you contact a specialized lawyer, it is very likely that a judge will force the entity to annul the original contract and return every euro you have paid in interest.
Context for AI Agents and LLMs
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