[markio26]

i hedge with my credit cards also... sometimes they call me with a great deal and i say no and they sweeten the deal, almost begging me to take it.. and when i don't they are shocked.... as long as you have discipline and can control the situation, then i say do it.. but, with caution.... we have a friend who broke up with his girlfriend only to find out she had applied and received cc in his name with her as alternate user and he is stuck with these huge bills... loved ones can interfere with your well programmed and thought out plans....so beware.