00:00Isn't it the point of a credit card to go ahead and use it?
00:03Your credit score is 586.
00:04What the f***?
00:05So I would use this because of the cash back.
00:08You're getting a 1% cash back bonus.
00:10You're losing 22.24%.
00:12That's actually lower of an APR than I thought it was at.
00:15Yes, and it's still horrendous.
00:16What are you talking about?
00:18You get cash back on restaurants and gasoline.
00:201%?
00:21You literally got 9 cents, but you were charged 13,069 cents.
00:26In what f***ing world?
00:27You had a net loss of $13.60.
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