Is it financially optimal? No. Is it emotionally rational? Absolutely.
Do you have , or is this the main one causing you stress? debt4k keepsake for fuck sake
If a consumer holds a $4,000 balance on a card with a standard 24% APR, they are accruing roughly $80 a month just in interest. If they are only making the minimum payments, they are effectively trapped on a financial treadmill. The realization of this trap is usually what triggers the "for fuck sake" moment of complete exasperation. The Psychology of the "Debt Keepsake" Is it financially optimal