The economy is scarier than ever, and it is very easy for an underpaid (and unsuspecting) freelancer to fall prey to predatory lending and credit practices. Case in point–when I signed up for an Amazon.com credit card earlier this year, I thought I was doing myself a favor. I use Amazon in a number of ways and when the credit card offer popped up, I filled out the form on a whim. “Cut out the middleman!” I thought…
