Here’s a snippet:
I should say for full disclosure that I carry around a few credit cards, pay them in full each month, and it’s not really a problem. About 35% of credit card users do that. The rest get seriously ripped off. So if you know you’re in that 35%–no worries. But if you’re not sure whether you’re in that 35%, the odds are against you.
[I’m in the 65%, or whatever it is in Australia.]
You’d have better odds with slot machines.
Disclaimer: this is not actual financial advice, bla bla bla, etc. etc. etc.