APP.COM - Monthly minimum payments up on 2 major bank credit cards

 Gary Cone thinks there's got to be a better way than "The American Way." "People have a tendency to live beyond their means and, for most people, credit is "The American Way,' " said the construction superintendent from Melbourne, Fla. "Most people try to get by as cheaply as possible on a monthly basis. I always make a larger payment than what's requested by the credit companies each month."