So , apparently I suck at life and can't generate enough income to keep up with my mortgage, etc.. but that doesn't mean I can't screw the credit card companies over by denying them their interest payments! Here's what you need for this method: a paypal account. two credit cards/lines of credit a bank account debt. Money- equivalent to what you owe in credit card debt or more. So here's what happens- I owe $500 to a credit card company. We'll call them shaftercard. If I pay my balance in full before the end of the month, no interest is accrued. My credit card payment is due on.. say, the first of the month. My mortgage isn't officially late until the fifteenth. Whatever shall I do with the aforementioned facts? Let's see. 1- pay credit card (A) off in full, using cash from bank account. 2- use paypal to send yourself a bill for the amount of money that you need to "free up" 3- pay paypal bill using credit card (B) 4- repeat every 20-30 days until you no longer owe money, or infinitely, depending on what kind of broke ass bastard you may be. So there you have it- you may never pay credit card interest again, so long as you can come up with a good sized lump of cash and remember to do this money juggling in a timely fashion. I know, this isn't the most awesome thread/method ever, but hey, at least it's not another of those "tell me how to make money" threads.