“Credit cards are evil.”

 The millions of people in credit card debt are giving me dirty looks through their monitors right now. Here is some idiot telling me how to win a game that I have already lost. Of course, unless you have an uncle named Doc Brown, you can not change the past and erase your debt. Furthermore, you are not dumb nor should you feel ashamed that you lost round one. However, starting today, you can play the credit card game differently. Consider it as starting you payback tour against the credit card companies.