Yesterday I posted about some pitfalls of transferring credit card balances and ended by suggesting that negotiating for a lower rate with your current card company may be your best bet.  I realized there are some tricks to that as well, and figured I’d go ahead and post a few tip here…
1.  Make your payments [...]

You can probably tell by my previous posts that I’m dead set against using credit cards…even if you pay off the monthly balance every month. Understandably, lots of people have credit card debt and want to get out. Sometimes they use the strategy of balance transfers to new cards as a tool. [...]

If the fear of debt isn’t enough to keep you away from credit cards this list should do the trick.
The most interesting to me was the fact that there is no federal cap on interest rates (a good thing for people who can’t read or do math), but all credit card companies are located in [...]