In one sentence, describe what the following article is about: The more late payments you make, the more likely the credit card company is to increase your APR. If you miss a payment, pay it as soon as possible. The company might report you to credit reporting agencies even before 30 days pass. This damages your credit rating in a way that takes a long time to undo. Keep your FICO score up by proving yourself to be a reliable debtor. The law requires your credit card company to give you 45 days' notice before raising your interest rate. However, the company might not give you an explanation for the rate change. If you don't get an explanation, call your credit card company to find out why your rate was changed. If the company can't give you a good answer, it might be time to transfer your balance to another credit card. Good reasons to raise your rate include consistently missed payments or a low credit score. Credit card companies are in the business of making money. They won't lower your APR just because you're a good customer. If you want to be rewarded for your years of timely payments, you need to call your credit card company and convince it to change your rate. Before calling your credit card company, research what a fair APR for your FICO score would be. Then call your credit company and try to renegotiate your APR based on your research. If the company is unwilling to do so, it may make sense to transfer your balance to another credit card.
Summary: Make your payments on time. Pay attention to rate increases. Try to lower your APR.

ImageMagick is a command-line utility that can capture screenshots for you. Many distributions come with ImageMagick already installed, but you can install it for free from your distribution's package manager if you don't have it. To open the Terminal quickly in Ubuntu and many other distributions, press Ctrl+Alt+T. On Debian-based distributions such as Ubuntu, type sudo apt-get install imagemagick and press Enter. You will be prompted for your administrator password. If ImageMagick hasn't been installed, it will begin downloading and installing. If it is already installed, you will be informed. Type import -window root Pictures/fileName.png and press Enter. Replace fileName with the name you want to give the screenshot. Type import Pictures/fileName.png and press Enter. Replace fileName with the name you want to give the screenshot. The cursor will turn into a crosshair, and you can click the window that you want to capture. Type import -window root -pause # Pictures/fileName.png and press Enter. Replace # with the amount of seconds that you want to wait before the screenshot is taken. After waiting the set amount of time, the screenshot will be taken and you will be returned to the terminal prompt.
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One-sentence summary -- Open the Terminal. Install ImageMagick. Take a screenshot of the entire screen. Take a screenshot of a specific window. Add a delay to the screenshot.

Q: Contrary to popular belief, you shouldn't wash your hair every day. Instead, wash your hair every other day, or when it starts to become greasy. To wash your hair well, tun your hair under water and put a quarter-sized amount of shampoo in your hand. Gently massage the shampoo onto your scalp, but don't scrub, because that can cause hair breakage. Then, rinse it all out of your hair. Because the ends of your hair tend to be drier than your scalp, don't put a lot of shampoo on them. If you struggle with frizz, try brushing your hair before showering, which can lessen frizz! Make sure you use the right shampoo and conditioner for your hair. For example, if you have oily hair, use shampoo for oily hair or normal hair. Massage conditioner on the ends of your hair, or 1in (2.5cm) away from your scalp. Let it set in your hair for 3 to 8 minutes, depending on its length. Set a timer after putting the conditioner in your hair, and when the timer goes off, rinse until there's no conditioner residue falling out. Using hair conditioner is good for your hair, but you need to choose the right kind for your hair type. If you struggle with greasy hair, avoid applying conditioner to your roots, which will make your hair even greasier. Heat creates frizzy, split ends, so don't use a hair dryer every day if you can help it. Instead, gently towel dry your hair after you wash it. If you do need to blow dry your hair, use a diffuser to evenly distribute the heat. Flat irons and other heated styling tools cause hair breakage, no matter how sleek they make your hair look. Overuse will burn your hair overtime. When you dry your hair with a towel, do not vigorously rub it. Instead, gently squeeze the wet parts. This will make your hair less frizzy and lessen breakage. Brush your hair in the morning to remove dust, dirt, and dead skin. Start by brushing the ends of your hair, then work your way up to the roots to prevent painful hair brushing. Choose a natural bristle brush, because it's less likely to pull out your hair. Use a wide-tooth comb rather than a hairbrush to untangle your hair and prevent damage. After washing your hair, massage the mask into your roots and work your way down to the tips. Use a massaging motion to allow the mask to cover all your hair, then comb through your hair with your fingers. Put a warm towel or shower cap on your head for 20 minutes, then wash the mask out. Optionally, you can use a an anti-frizz serum after washing and drying the mask from your hair. Read the instructions on the container before buying the mask, because some require daily use, while others are weekly. How often you use a hair mask depends on your hair type. If you have very frizzy hair, leave the hair mask in overnight for best results. to get natural curls. To use a sea salt spray, dampen your hair and brush it with a wide-toothed comb. Make sure your hair is damp but not soaking wet, then apply the sea salt spray to the bottom half of your hair. Avoid using it on the roots which can cause frizz. Then, scrunch and twist your hair with your hands from the bottom up to create waves and curls. If you shampoo before using sea salt spray, use a moisturizing shampoo, because salt sprays dry out hair.
A: Wash your hair thoroughly every other day, or as needed. Condition your hair to keep it moisturized. Air dry your hair to avoid heat damage. Brush your hair regularly to keep it clean and tangle-free. Apply a hair mask once a week to hydrate and strengthen your hair. Use a sea salt spray

Problem: Article: Ask the person to remain still so the mask can air dry. As it starts to set, it may feel hard or a bit itchy. This is to be expected. Do not apply a hairdryer or a fan to the mask to speed up drying, as this can cause it to crack. It can also put your model's skin at risk.
Summary:
Wait 12 to 15 minutes.