To play the credit card game, David says there are "secret" tricks the Egglestons must learn in order to deal with credit card companies. David coaches Sally and Dan as they negotiate with their credit card companies to lower interest rates and waive fees—one phone call at a time. With a little persistence, the Egglestons each score a small victory.
At first, Sally and Dan were hesitant about making the phone calls—until David put it all into perspective. "I said, 'You guys, it's just a game.' They said, 'It's just a game? Well, we're competitive, we like to win!'"
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