If you use credit cards, you MUST listen to Fresh Air's interview with Elizabeth Warren. You can catch it on NPR later today or listen online for free.
Warren is a Harvard law professor who specializes in credit and bankruptcy law, yet the stories she tells are conversational and easy to understand. The interview was spellbinding. Truly, I had no idea how conniving the credit card industry can be. Warren gives specific examples, like random $75 fees deliberately placed on user accounts.
Sometimes I worry about all the cash back offers and airline miles we miss by spending cash instead of credit. Warren put my doubt to rest.