Just like an Alcoholic, he/she knowsthey have a problem with alcohol, but not touching it is a tough order. Many, many people can Not handle credit, even have a history of such problems. Yet many banks will continue to issue cards. It is ridiculous.

I have 1 credit card and the balance is payed off every month. I used to have 2 but cancelled the other. I had sent in a payment on that card and it was due on the 10th. It showed on the statement that payment was received on the 10th and they had charged me a late fee of $35. I called and it had arrived at 1pm local time every thing received after noon is on the next business daybut still the date on the statement was the 10th. I would have felt better had it showed the payment being received the 11th.

I told them a check was on the way, and they could close my acct.

I understand you are getting perks, and that's fine, but the idea of those perks cost several people enough they could fly around the World and then some.

Just look at the stats right now on Home Foreclosures. I have custom built homes for 28 years and to me it is No wonder people get in such a bind. Very Few if any build a house to live in, provide shelter, and warmth. It's a status thing for many. Rooms they never go in, dormers where there is no 2nd story, ceilings tall enough for a giraffe, etc., etc. I have built many homes where I myself could not even afford the Property Tax, nor would I want to, much less the Mortgage payment.

American people are soft and a huge majority live past their means.

It's like a friend once told me "Everyone has their vice. For some it's Clothes, others it's Houses, some jewelry, some cars, etc., etc. I guess for me it's Archery

Dan