Shhh, Steve, don't give away all the secrets. If you do, the lending institutions will stop giving me free money for a month minimum, and then loans at zero percent interest for 12 months if I use their convenience checks.
It's kind of fun to game the banks by taking those convenience checks, writing it out for the full amount, and then putting that money into a CD or money market fund and collecting interest on it!
But if you tell people to stop piling on the debt, they'll have to stop doing that!