Great pointers in paying off CC debt

Well, as you all know, I am all about paying off CC debt. I have been searching for great articles to share with you guys and came across one from ING Direct. Here are some helpful tips to consider when attempting to pay off CC debt:

• Pay down balances with higher interest rates first.
• Make more than the minimum payment on credit cards.
• Notice the interest rate on your monthly credit card statements—because of something called “universal default” if you pay late on one bill, your interest rate could go up on other credit card accounts. (I had NO idea!!! How in the HELL!!!???)
• Check your credit report once a year—according to the U.S. General Accounting Office, 70 percent of credit reports have some sort of error.
• Negotiate if your rate goes up—most card issuers will oblige.
• Try to keep your debt-to-income ratio at 36% or lower—calculate it by dividing your total monthly debt obligations by your total monthly income.
• Make an effort to pay on time—one late payment can drop your credit score by 100 points.

The CC companies are the debil I tell ya', the debil!!! How in the world does one even think to create a universal default...My Gosh People....