My wife got a letter from her credit card company yesterday outlining all the wonderful changes they're making for her benefit. They'll apply her payments to the highest-interest balances first! They won't be using 2-cycle billing any more! She won't incur any over-limit fees unless she opts in. They're also going to be nice enough to include information on how long it will take her to pay off her credit card balance if she only makes the minimum monthly payments. What a nice creditor!