Stephan:   I have just added to the links on the left hand side of the SR site a new URL which links to a vast amount of information about credit cards. You will find it under the Money heading, it is entitled Index of Credit Cards. I urge you to use it to get a handle on your credit cards. Recently I helped an elderly friend sort through her credit cards, and discovered she was paying an average interest rate of 28 per cent on four cards. Shameless usury on the part of the same banks to which we are giving billions of tax payer dollars. Slavering greed has become a very real problem in this country. Use this information to cut the banks off at the knees. They rely on the fact that most of us don't focus on this, and just keep docilely making payments. -- Stephan