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Just dial 1-800-SAVEROB and give until it hurts.

Propertunity sums it up nicely. As always :) The worst months are the 31 day months during which the 31st is a Friday, so the payment may be processed on a Monday night and include 2-3 days extra interest. Sure it all comes out in the wash, but eating 2 minute noodles for a month until the next...