Despite the hyperbolic title, a down-to-earth guide to the provident employment of personal credit. A Citibank officer turned consultant, Fiebelkorn knows credit inside and out. Probing its use and abuse in a series of well-organized briefings, she touches all the borrowing bases--with her coverage ranging from charge (as opposed to credit or debit) cards through bank overdrafts, car loans, home mortgages, and financing other major purchases. There's even a separate chapter that makes a fine job of sorting through the options available to families seeking to arrange student loans for college bills. In addition to broad principles (like living within one's budgeted means and establishing a credit history that can be checked), the author offers a wealth of smart-money tips on gaining an edge in the adversarial circumstances that often characterize lender/borrower relationships. Cases in point include advisories on playing floats, calculating true interest rates, obtaining free services from financial institutions, lodging complaints, dealing with rating bureaus, and minimizing tax liabilities now that deductions for installment-debt costs are being phased out. Uncommonly sensible credit counsel, accessibly presented.