Keen your point of view is well taken. Like you said, "We are all doing well better than most and should be very proud". My brother-in-law agrees with you 100% as he despises credit cards. He believes in using cash only and no credit. My sister,on the other hand believes in using credit cards and you can imagine the chaos when finances are brought up in their home!!
Come November, 2006 my plan is to only use AMEX and continue receiving the double reward points. Capital One will have its home in our home safe for a long time to come and its longevity can continue to build. I will not close the Cap1 account as my credit history would revert to zero in that Amex carries no revolving monthly balance.
Congratulations to you also in being able to use only a debit card and no credit cards at all.
