For a start, I had a credit limit I considered small. Naturally, I looked forward to the day I would enhance it to fit my ‘status’. That time did come with an additional sweetener; the minimum monthly repayment had been reduced to a mere five percent. Let’s just say I was jolted back to reality when the statement came showing an interest component in excess of KES 1,000.00 per month. Maybe I should have started by explaining how a credit card works.