I’ve owned in credit card in my 37 years of existence. I got it when i turned 18. It was a small $250 limit that once it was activated, it added fees taking up a majority of the balance. I bought a $50 game with it, intending to pay it off as soon as possible. I never did. I got charged a fee for each month I didn’t pay on the card eventually gaining over the balance fees. . End of the year rolled around and I got charged interest for the unpaid balance, which then dinged me with another over the limit fee. By the time they closed the account, there was over $3500 of fees alone.
Don’t even get me started on how banks stack your multiple charges to benefit them with overdraft fees.