"I remember when the information started to click for me, it was like music to my ears. I started learning rules on how the credit game was played, like any game once you learn the rules you know how to play. I started realizing how well you pay your debts on time and the impact it has on your credit score. I also found out how to avoid paying interest, all you needed to do was either pay your bill down to ZERO or do a balance transfer to another card with a low limit and a different due date."