Sorry Chanie and i understand exactly what you mean. All i can say is that i know you will not become a moser and the people doing this so easily should be ashamed of themselves because it is pure genaiva, stealing. We do not rely on credit card spending, just on occassion if i want to order something to send overseas or rarely an online purchase. Cell phones are basic,flat rates and no texting. One thing i buy real quality are fruits and vegetables! Clothing is another story as a matter of principle i will not overpay. Good Luck and Hashem should repay you for your honesty and realize you B”H have company and alot of good advice from the CF.
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