I emend my original statement to, "Don't be negligent, and always read the fine print." Those two go together; don't neglect periodically checking that your address is up to date and correct and then blame the bank for not contacting you at your address; don't pay a credit card balance in part and then be surprised when you are charged interest on the remaining balance and applicable fees which you agreed to in the fine print when you applied for credit (my dad did exactly this a few years ago and canceled the card afterward; I didn't have the heart to tell him that his new bank, like every bank, had the same policy). If you aren't ready to swim with sharks, don't jump in the water.
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