One of my young coworkers had been running a huge balance on her card for two years. She was making minimum payments every month and didnt understand why the number wasnt going down.....
I had to sit her down and explain how interest works and helped her figure out how to take a lower interest loan to wipe out the credit card debt and get a repayment plan going
I wonder what would have happened to her if i didnt overhear her phone conversation and decided to be nosy and ask her about the credit situation...