Introduced in the USA in 2009, and Canada in September 2010, new credit card regulations require greater card issuers’ transparency to “protect” card users. Canadian regulations mandate an effective minimum 21-day, interest-free grace period for customers paying full balance.
Deflection speech pervades society. If you don’t practice it, you know someone who does: “I don’t have time!” and “I am busy!” are popular clichés folks use to shift responsibility for neglected tasks. I think for two reasons we accept and validate these absurd excuses. First, unwittingly, we ignore two facts: (a) Each person has 24 hours daily, (b) busy means “occupied with the mind concentrated,” and is normal–you are dead when you are not busy! Second, political correctness stymies us: fearing being accused of prejudice or intolerance, often, we don’t require accountability; so, we entrench shoddy performances.