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It makes sense because, according to Jean Twenge, an NIH researcher in social rejection, "Humans have evolved into creatures motivated to form stable, lasting relationships with others.This is deeply embedded in the culture." Add to the fact that communicating your desire to leave the group via text or email makes your request seem somewhat impersonal.
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Like most of us we only pay off the minimum monthly repayment; this is usually a % of the outstanding balance or no less that 5.
Some credit cards will set the minimum repayment on a card at such a low amount that you inevitably end up paying the interest and nothing else.
Criminal when you think of it but I suppose we have to consider interest rates were much higher 8 to 10 years ago and there were fewer credit card companies on the market.
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