This is yet another example of why so many individuals today don't have any money. They're poor because they are busy as hell making everyone else rich, by paying ridiculous interest rates. 21+% on credit cards, and now 2.75% piled on that, just to swipe the damn card before you get home with what you bought.
If people just figured out what they're paying in interest on everything they think they own, they would have heart failure.