Thanks to the brand spanking new credit card laws, you have to receive 45 days notice before those fuckers can change your interest rates! This is a day to celebrate and go buy tons of shit! Whatever your current interest rate is, it can't change whenever the credit card companies feel like it! They have to give you 45 days notice... otherwise they're headed to the slammer! If your interest rate is something insane like 30%, try calling the credit card companies and talking them down. If you always pay on time, etc these things can work in your favor! And if some bitch answers the phone and starts laughing at the thought of lowering your rate, ask to speak to someone else! Most of the time THIS WORKS but no one does it! And you can hang up with a lower interest rate!
Consider yourself eduKayted.
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