~~~~~~~~~~~~OR~~~~~~~~~~~~~~ How to mess up your credit and pile on debt? Here's a surefire Way to do it. http://www.bankrate.com/brm/news/debt/20030905a1.asp Do you agree or disagree with items 4 and 8 of the article???? 4. Accumulate all the cards you can. The more cards you have, the more difficult it is to keep up with timely payments and how much you owe. Department and gas cards are convenient and often offer incentives for signing up such as an immediate discount or discounts on future purchases. However, one or two bank cards such as MasterCard or American Express are all that most people need. They can be used most places, offer better APRs and don't use up your credit availability. 8. Use cash advances from one card to pay another. It's hard to believe that people still do this, but it remains a big problem. This should be a wake up call that you are in serious debt trouble and need to seek help. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''