<< how hard is it to change the billing cycle/closing date/grace period, etc. Changing the day I get paid is impossible.>>It should be no problem at all - I have had to change my billing cycle a couple of times (to prevent making 2 large payments on 1 bi-weekly check). I did have a problem with my Credit union - they were too small an operation to have more than 1 billing cycle - so I moved my debt.TTMan
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