[k0k0]

Definitely keep the money in there for 6 months or so. Banks and card companies really like to fuck people over.

That's what happened with my credit card and why I wanted to screw over the company so bad. I was paying a minimum of 50 a month (usually paying 100 them per, so that I could wittle down payments), then after the post office read my writing wrong when I sent in the check, they didn't get it in time so I ended up having to pay 200 minimum because not paying on time upped my apr, which meant they were getting a ton more money per month. It's the reason why I got foreclosed on 5 years ago. Fucking card companies.