After pointing out that people who pay off their entire balance each month (or don't use credit at all) avoid interest and fees, I don't see why he then had to go on and on about "Why it Pays to be a Deadbeat". Surely it's pretty obvious, even without all the other nonsense tricks, even if they were lovely people who would never change your interest rate, etc etc.... it would still obviously be better not to be paying any interest at all.