[This is helpful advice for those with worm composting systems and other consumers in Western Society.]
Worms do not like credit cards. They have no need for credit cards. They believe in a debt free existence. If you shred a credit up and put it in your shredded paper bag for worms to digest, they will reject the credit card pieces. There is a teaching here for all banks and all overconsumers with too much debt. And others. Take heed from the worms.