Before I tell you the two cardinal rules of plastic, I've got to tell you about this little gimmick. I'm a fan of AT&T;, so I have mixed feelings about revealing it. But until they close the loophole, how can I resist? It wasn't my idea; it comes from Denny Cunningham, a sharp-eyed user of my computer program. And it's this simple: if you have an AT&T; Universal MasterCard, as 11 million of us do, and if you pay your balance in full each month, there's no interest charge on cash advances. Just a 2.5% service charge, with a minimum of...
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