Dave <br />Thats why I said that this did not apply for business people who correctly use the card (paying off before the month is up) but do you know according to the latest statistics, only 16% of the people regardless of what walk of life pay back before the end of the month. The banks prey on the weak. I knew this one would get your attention Dave, you're as tight with your money and as conscious as I am!!! I don't mind wasting money on my toys but its my money, not the banks... I cannot believe how people have rattled up anything between 5,000-10,000 dollars Christmas card debit and this is a flat out debt. Its not a hanky panky where you can collect plenty of frequent flyer points. In my eyes, credit cards are like alcohol addiction, cigarette addiction and gambling addictions, no good for me. Also, most people who use a credit card for a business correctly, its the business that owns the credit card, it just happens to have your name on it. <img border="0" title="" alt="[Smile]" src="images/icons/default/smile.gif" /> <br />Phil