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I remember three years ago when I arrived here in Brazil. I had some dollars with me, so I exchanged them for reais and deposited them in the bank. I think less than 10 days had passed when the bank called me to offer me a credit card. The only problem was that I had to pay a monthly fee, which I didn't even know at the time. Since I didn't use the card much, I was paying the monthly fee, and the miles I earned weren't even worth 5 or 10 reais—not enough to cover the cost of the credit card.

After about three months, I canceled the card because it wasn't worth it for me.

But... like me, there are hundreds of people with credit cards who are paying the monthly fee and not getting anything out of them, just the status of having a "black" card.