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Snap Judgment: When to Trust Your Instincts, When to Ignore Them, and How to Avoid Making Big Mistakes with Your Money by David E. Adler

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23. Credit Card Stories: Beating Your Credit Card Charges Using Behavioral Economics

Please do something about this “legal loan sharking” that is going on. I ended up having to file bankruptcy a few years ago, thereby ruining my credit, because [my] Credit Card [company] decided to jack up my rates and everyone else followed suit. There was no clear indication of the reason for this action on their part as to why they raised my rates, since I was paying over the minimum on all my cards each month and was never late with a payment. Then right after I filed bankruptcy the credit card companies persuaded the government to change the bankruptcy laws...thereby pushing people’s backs to the wall.

—Ron Sugg

My checks are sent in by the due date yet ...

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