I agree Phil, I have NEVER owned a credit card. I did apply for one once (ANZ/TELSTRA) and they knocked me back despite how much I earned!!<br /><br />My bank even had the hide to charge me a $5.00 over the counter fee because I had to use the counter at a branch. I couldn't use my ATM card because the magnetic stripe had failed. (suprise suprise, they only seem to last about 9 - 12 months. I actually had one last TWO weeks!!)<br /><br />I had also ordered my replacement card that very moment. So, when I do some banking tomorrow, I'll be taking it up with them...<br /><br />Again Phil, I agree, Fuck 'em...<br /><br />Cheers,<br />Col.