The Trap is Set: Why Credit Cards Are Designed to Keep You Broke

Let’s talk about one of the sneakiest financial traps in America: credit cards.

Swipe. Smile. Pay later.
That’s the game we’re taught to play.

But here’s what they don’t want you to know:

The U.S. credit system isn’t just broken, it’s built to keep you broke.

Credit cards are marketed as convenience tools, but for many Americans, they become debt shackles. Why? Because the system doesn’t reward you for paying the minimum, it punishes you. The moment you carry a balance, you’re handing over 20–30% interest, often compounding daily.

That’s not credit. That’s a silent contract with financial slavery.

• The average U.S. household with credit card debt owes over $7,000.

• The average interest rate? 24% and rising.

• If you pay only the minimum, you could take decades to pay off a single purchase.

Meanwhile, banks rake in billions from interest while telling you it’s about “building credit.”

The truth is: the system was designed to profit off your financial delay.

Paying your credit cards in full each month is one of the boldest moves you can make.
It signals control, not chaos.
Discipline, not debt.
It says: “I use credit, I don’t let it use me.”

This is the kind of financial literacy that’s rarely taught, especially in communities where debt is normalized and generational wealth is scarce.

• Use credit cards strategically for points, protection, and perks.

• Never carry a balance you can’t wipe clean each month.

• Teach your community what real credit power looks like.

This is how we flip the script. This is how we build wealth that lasts.

💬 Have you ever been caught in the credit trap? How did you climb out, or are you still climbing? Hit reply and let me know. I read every message.

→ Forward this to someone who needs to stop making minimum payments and start making maximum moves.

Do what most people don’t,

Anan