"Probably you have a lot of other things on your mind. Like money. Me, I spent last year working on a piecework contract rather than for a salary. That meant I got stuck carrying a big credit-card balance for several months, while my payment was in a very slow pipeline. People were not very quick about paying money for things last year. I bring this up because while I was carrying that balance, I mixed up my credit card with my ATM card one time, and so accidentally I took out a cash advance, which had a higher interest rate than the regular balance. When I called the credit-card company to tell them I wanted to pay off that high-interest balance first, they said I couldn’t. They had buried it at the bottom of the whole stack of other money I owed them, and the only way to get to it was to shovel away the entire low-interest balance first. So until I finally got enough cash to pay off the full balance, that cash advance just sat there, bleeding extra interest. But afterward, Congress—this crappy, infuriating, do-nothing Congress, this Congress that every single American despises—outlawed that scam. Credit-card companies now are required to pay down your highest-interest balances first. Maybe this is because Congress is a bunch of socialists trying to murder our free-enterprise system. Go ahead and vote for your Tea Party if you feel that way."