Ok, in many of these articles there are explanations on how to manipulate your credit score and interest rates to save and make you money.  Here is the very slippery downside to this…its called human error. Also known as lust, gluttony, greed, sloth, wrath, envy, and most of all pride. Most credit card debt is accrued from individuals living higher on the hog than they really are.  There are different motiviations for this, some listed in the previsous sentence.  Credit cards give people access to living high on the hog without neccesarily havin ghte means to do so.  Basically what I am saying is, with great credit comes great responsibility.…