as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
correct answer on visa credit quiz doesn't make sense
user
i agree with you. the quiz was looking at it differently, as if you had a huge card balance and were making minimum payments.  the fact that i run all my spending through my cards somehow looks like my card payments are 60-70% of my budget. but when you break it out, zero of that is interest, and it's just a budgeting tool.
assistant