Nothing riles a cheeky monkey more than getting fleeced by "the man." Did you know that the usurious banks are sometimes charging an obscene amount (19.9%) of interest for credit card balances? My tip is call the bank/credit union and tell them you want your rate reviewed and lowered. Tell them you can get a better deal elsewhere. See what they come up with… They lowered mine down to 11%. Why should you pay more? But of course, they’ll take the extra money if you don’t say anything.