[bigloo]

With regards to posters asking were the .edu emails come from, it is from ****** accts, no security flaws for the mods to be concerned with.

Also, landhoney, I agree with you. I get all I can from my credit cards in cash back, consumer protection and even double warranties, but I pay them off like you which is why I said carrying debt. I treat my credit cards like charge cards and mostly enjoy up to 2 months (month+grace period) where big purchases go interest free. I think the message is that this is a restraint issue and that credit cards are the vehicle.