Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

“Correct” answer on Visa credit quiz doesn't make sense
I agree with you. The quiz was looking at it differently, as if you had a huge card balance and were making minimum payments.  The fact that I run all my spending through my cards somehow looks like my card payments are 60-70% of my budget. But when you break it out, zero of that is interest, and it's just a budgeting tool.