[Terry L Smith]

I use both, and have been doing so, since 1994.
Before that, I had a credit card, AMEX, and did close that out in 1988, and haven’t used a credit card, since.

“They pay me a penny for my dollar in the bank, but charge me 22 pennies to use one of their dollars they loan to me? there’s no profit in that, for me!”

[max americana]

““They pay me a penny for my dollar in the bank, but charge me 22 pennies to use one of their dollars they loan to me? there’s no profit in that, for me!”

True dat’ hehe