As Jared sat down to pay his monthly bills, he made his way through the mortgage, auto loan, student loan and insurance. Then came the credit card. He hadn’t remembered making so many purchases, but there they were: an oversized grocery bill, a tire repair and the kids’ daycare service. He could pay it all now, but that would leave a skinny balance in his checking account. He looked carefully at the options on screen: Pay Balance, Make Minimum Payment or Pay Other Amount. Jared’s cursor hovered