For this week's Alpha Consumer Podcast, I spoke with Justin McHenry, research director at IndexCreditCards.com and Zen Personal Finance blogger. He explained how consumers—especially those with strong credit scores—can benefit from the financial crisis by taking advantage of lower interest rates. He also reveals why small banks tend to come with lower fees and fewer penalties, something to consider when choosing a financial institution. And he gives his own tips on paying off credit card debt, which involve focusing on getting rid of the smallest debt first. You can also hear the Alpha Consumer Tip of the Week on dealing with stock market losses. Listen now, download at iTunes, or subscribe via RSS Feed.