Often people have a problem in mapping products into money. For simple choices, of course, such mappings are trivial. If a Snickers bar costs one dollar, you can easily figure out how much it costs to have a Snickers bar every day. But do you know how much it costs you to use your credit card? Among the fees you may be paying are: (a) an annual fee for the privilege of using the card (common for cards that provide benefits such as frequent flyer miles); (b) an interest rate for borrowing money (that depends on your deemed credit worthiness); (c) a fee for making a payment late (and you may end
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