If someone answer my , i will vote him 5

Possibly because of the interest rate.

Explanation:

Interest makes your bill higher, and only so much of your payment goes to the principle (actual amount you are trying to pay off), and if you pay more than the minimum, then more will go to that principle, rather than paying more interest.

explanation:

magic

their just depressed and think that if they give pain to some one else the pain goes away from them. which it doesn't.