The credit card industry sends out 8 billion credit card offers per year in a country of 330 million people. The average credit card interest rate hit 28% last year—the highest ever recorded. Making the minimum payment on a credit card will take 22 years to pay off if you never borrow again. And 80% of people who sign up for "90 days same as cash" don't pay it off in time, triggering retroactive interest back to the beginning at 29–36%. The system is designed for you to lose. But at Provision Conference 2026, Joel Beyer, of Forward Financial Group, shows you the math on how to win—and it's more possible than you think.