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My disagreement with credit card agreements

I have yet another confession to make. Even though I often tell others to read their credit card agreements, I have never done so until now. And I’d be lying if I told you I got much further than the first page.

It’s not that I have an aversion to reading. In fact, I love a good book, editorial etc., but there is a reason that I don’t reach for my credit card agreement when I want to unwind. It’s seriously the most boring and tedious text I’ve ever tried to understand. And I think that says a lot coming from a recently graduated journalism/neuropsychology student.

Apparently I’m not the only one who has trouble stomaching the fine print. The average credit card agreement is written at a 12.37 grade level, making them incomprehensible to approximately 80 percent of Americans, according to a recent study by CreditCards.com.

I read above a 12th grade level. I’ve been tested. But even still, skimming my contract made me wonder whether or not I’m in need of some remedial classes. What tripped me up were the insanely long sentences and the feeling that traps lurk within every paragraph.

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CreditCards.com: The EP

Tyler Metzger

We keep it real at CreditCards.com, and that’s something I like to flaunt. We got tricked-out cubicles, doubled-stacked Google listings and a kitchen full of mad-legit noms. So mad-legit, in fact, that my co-worker and I decided to write a song or two about our employment.

Inside this blog post, you’ll find the very first CreditCards.com EP. For those who don’t know, EP stands for extended play, and contains more songs than a single, but not as much as a full-length album.

We made two songs: “CreditCards.com,” which discusses credit card swag, SEO, iStock and everything else that makes our work so awesome, and “Pancakes and Sausage on a Stick,” a sobering love ballad about a very important member of our team that sometimes goes missing.

We also took the time to craft a video for “CreditCards.com” so you could get a glimpse of what really goes on in our offices. It’s full glistenin’ rims, life sized credit card clothing, boardroom arguments, and lots of cameos of the editorial and marketing team. Check it out!

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A little dirty work goes a long way

Julie Sherrier

At least once a year, the staff at CreditCards.com in Austin, Texas, forsakes their cubes for a day for a little charity work. It always feels good. And we should probably do it more often.
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