My policy has been to have my own blacklist of companies with bad service, poor ethics or who are downright crooks. I let everyone else know my disatisfaction. Maybe I can inform someone who will not deal with the company in question and save themselves some grief. We are here to learn from others successes and mistakes so sharing should help us all. I know George dislikes Nextcard and lets us all know. A couple people badmouth Ford. Lots say bad things about Cap one and Providian. My personal list of bad companies to deal with: BellSouth, Wells Fargo (PLATO), GM, Ford, Chrysler, Walmart, and , of course, all three CRA's. Who wants to add to the list?