Having a credit card allowed me to cancel my non-savings account and not pay bank fees. I use my credit card to pay for everything and then pay the credit card from my savings account. They are so dumb lol.

Oh really? Not in my neighborhood.

If you had a decent enough credit rating, there would be no need to use klarna as you’d already have credit on better terms.

You clearly don’t get it pal.

Predatory lending is a specific kind of targeted, exploitative lending. The form it takes is irrelevant (See below). And 2 wrongs don't make a right, but 3 lefts do.

- Credit cards with absurd fees and rates

- Payday lending

- Point-of-purchase loans