[Moose4]

Not always. I had a normal everyday Amex that would allow normal “pay over time” expenses if the purchase was large enough. I had to put $3,200 of vehicle repairs on it when my wife got stranded in Atlanta a couple years ago. The interest rate was not good (about 19%), and, well, let’s just say that here I am two years later dealing with the collections agency because Amex was the one card I had that wouldn’t play nice with the credit counseling people. Fortunately their balance will be gone in five more painful months, and I can start to throw that money at the rest of my cards and make some good progress.

}:-)4

[EarthBound]

You sound like you may be a fan of Dave Ramsey, if not, I'll bet you could become one! The man has been there and back, having gone bankrupt with a young family, now he has a highly successful radio show, several books, and a show on Fox Business Network. I listen to him every day after work, especially Fridays... that's when he has people who have succeeding in paying off all debt (excluding or including house) to call in and scream about being debt free. Inspiring!

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