Fortunately all of Guido’s ranting and raving was a wake-up call for Clive Clueless. He fesses up to his parents and gets into a Gamblers Anonymous group. To top it off, he has just discovered that cash advances have a much higher rate of interest: 23% versus his basic rate of 18%. And he just got a notice from his bank that his interest rate will be going up because he’s over his credit limit.