eduKayt's Tip of the Day 2/22/10: 45 Days!

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.

eduKayt's Tip of the Day 2/17/10: Check That Statement!

Listen up, bitches. Starting next week (or even sooner), credit card companies will start releasing different statements. And they'll make you want to fucking cry! But it will be a good kind of cry like when you're watching lions eat gazelles and shit. New laws were passed forcing credit card companies to do the following:

1) Write everything in a normal FONT size! What will you do with all those fucking magnifying glasses?!

2) Interest charges should be highlighted, not BURIED!

3) Now near the "minimum payment" amount, you will also see the length of time it will take you to pay off your fucking card if you only pay the minimum! We all know ALWAYS PAY MORE THAN THE MINIMUM! Or those fuckers will own you for life! Well now it will say exactly how many months it will take to pay off your card at certain rates! THAT'S THE CRYING PART!

Let these things motivate the fuck out of you and start paying that shit off.

Consider yourself eduKayted.