This Is How APR Traps You in Debt (24% = £240 Real Cost)

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£1,000 → £1,240. They hope you never notice.

APR 24% sounds like finance jargon. It's not. It's £240 per year on every £1,000 you don't pay off.

Real numbers:
→ £1,000 balance
→ 24% APR
→ £240 interest (year 1)
→ £1,240 total owed

Pay minimums only? Year 2: interest on £1,240+. Year 3: worse.

This is how people fall into debt without realizing it.

Full episode breaks down how to escape the trap
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