Look at your statements carefully each month. Credit card companies are famous for changing your billing cycle. If you have been on a 30 day billing cycle, it is not uncommon for them to switch you to a 20 day cycle. This is how I got a late once.
You also need to be aware that when you transfer a balance to one of those snazzy 0% offers, the rate only applies to the balance that was transferred. Any new purchases might be at a different interest rate.
Keep in mind that your credit card company is not your friend. They are predatory and want to keep you in debt.
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