Will the health care of the future require patients to give out their credit card information before the doctor will see them? Indeed, if a new trend in physician payment services catches on, consumers may have to put their credit card on file before getting certain services.

Even billionaires make occasional slip-ups. And unfortunately, for a billionaire, a small slip-up doesn’t just translate into a $39 late credit card fee, but into real money. The cost of Buffett’s five-year business experiment as a credit card issuer? A not-so-cool $50 million.

Most experts advise against closing credit card accounts, because it may lower your FICO score. However, depending on the specifics of your personal financial situation, closing inactive credit cards might not affect your credit score, or could affect it minimally.

According to a recent study of 150,000 consumers, nearly 60 percent of credit card users are now paying off their monthly card balances in full; an almost 33 percent increase from last year.

Gift cards are becoming ever more popular; last year, Americans spent approximately $87 billion dollars on store gift cards alone-and that’s excluding bank issued cards, such as Visa or American Express gift cards.