Picking the low hanging fruit is getting old Mr Carrick.
..
No one except totally desperate people and occasional  idiots take cash out on a credit card.
And that 4% of the population already know ALL about the interest.....
Its therefore no wonder that most people do not know the answer.
Pick  up the content pace a notch or two....or maybe three....suggesting Canadians are financial illiterates does not excuse repeatedly  posting grade 3 articles.