just thought this might be of a little help to those that havent heard. your credit card payments more than likley will be raiseing the minimum monthly payment you are allowed to make starting thuis next year . so if your payment (minimum) is 200 dollars you will be required to pay 400 instead. i just this past week learned of this by hearing a radio show and confirmed it through my bank. might have been why they asked me about considering a debt consolidation or home equity loan a few months back. kinda wished they would have told me about the payment going up sooner as we just a few days ago got our ball rolling on a home equity line of credit to wipe out several higher credit card payments and we will be saving not only in the long run but a lower monthly overall debt payment now at a tremendously lower percentage.allowing us to double up on the payments and pay off our loans quicker. i'm no financial expert but i thought this may be of interest to some. MERRY CHRISTMAS !!!!!!!!!!