The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.
look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.
stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.