Congratulations - you are not contributing to one of the dirtiest and robust monopolies. One that makes Micro$oft look like the red cross.

Congrats though! Just be careful and be adament about paying your bills. Credit cards, like cell phones [etc] actually base thier buisness model on having people fail. They like failures.

Myself? I refuse credit. Minus that of a Car payment and a house payment, I really see credit as a bad economic tool designed make the rich richer at the expence of our children. Damn it greed...

Bipper