Reading B.I.F.

I was watching PBS the other day on their documentary about credit card companies and the tools and methodologies they use to lure consumers into their promotions and thus, using their credit cards and I walked away at the end of the show thinking, these credit card companies are evil and ingenious in a way. They hire all these PhDs' and MBAs' on their team devising models and conjuring up ways to maximize profit by sucking the very life hold of consumers who after months of enjoying 0% interest, are now having to pay the piper or devil in the form of higher interest rates. Here are some other tricks credit card companies have up their sleeve to be wary of.