Credit Cards Explained with Pizza (How Raccoon Got Trapped) #CreditCards

Credit cards can get raccoon free pizza, travel rewards, and bonus caps — or bury raccoon in debt forever. Raccoon explains exactly how the trap works. In this video, raccoon breaks down how credit cards actually work, what APR and compound interest really cost you, and the 3 rules that separate smart raccoons from broke raccoons. 📌 What raccoon covers: 0:00 — Raccoon's normal life (pizza costs 5 caps) 0:25 — Bank Raccoon appears with the Plastic Cap Card 1:10 — First month feels amazing 2:00 — The bill arrives. Minimum payment trap begins. 2:45 — The debt spiral (raccoon on the hamster wheel) 3:30 — 1.1 trillion caps: America's credit card debt 4:00 — The 3 rules raccoon wishes someone explained earlier 4:40 — Stay shiny. Never trust the Bank Raccoon. 💳 The numbers behind this video: → 160 million Americans have at least one credit card → Average US credit card APR: 24.37% (2026) → Total US credit card debt: $1.14 trillion → Minimum payment trap: paying minimums on $5,000 at 24% APR takes 17 years and costs $6,200 extra in interest ⚠️ This is not financial advice. Raccoon is not a licensed cap advisor. Please do not sue raccoon. Raccoon barely afford pizza. 🦝 Welcome to Raccoon Finance — where a street-smart raccoon who has been burned by every financial trap explains the American money system using pizza and bottle caps instead of boring jargon. New video every week. Subscribe so raccoon's work is not wasted. #creditcards #personalfinance #raccoonfinance