Jeff, What you seem to fail to realize is that the majority of American people have no business with a credit card.
Dan I don't fail to realize that. I'm giving my fellow man the benefit of the doubt to realize for himselfif he has a problem with credit or if he doesn't. I'm just not willing to throw out the baby with the bath water. If I failed to take advantage of FREE incentives offered to me by CC companies........that woud be a TERRIBLE business decision.
The CC is my slave and not my master.