These same people would like to stuff such discussions, at least the parts they find politically acceptable, into another forum (General Lounge) that has been laid waste by a few fanatics and is now virtually unusable because no one wants to go there. So here's the proof that 9/11 and related issues are not only important in themselves, but related to some important credit issues: (1) The attacks of Sept. 11 caused a national recession that increased default rates for many kinds of credit, which served as a pretext for massive repricings of personal credit cards, surely an important issue in this forum; (2) The attacks of Sept. 11 led cowardly politicians to demand unnecessary and unreasonable search and seizure of American citizens at airports, which reduced domestic air travel and virtually destroyed the U.S. airline industry, affecting the prices of airline tickets and the real value of airline rewards, surely an important issue in this forum; (3) The attacks of Sept. 11 killed over 2000 people in the World Trade Center, many of whom worked for financial businesses. This led to market inefficiency, temporary loss of business, and pressure for increased earnings. Guess whose interest rates and late fees went up as a result? Surely that's an important issue in this forum. The adjoining building containing American Express offices was also made unusable, which affected American Express customer service, surely an important issue in this forum; (4) The attacks of Sept. 11 caused some banks to credit timely payments as if they were late, thereby disrupting normal credit relationships, surely an important isue in this forum; (5) The attacks of Sept. 11 led some foreign "students" to leave this country and default on their credit cards earlier than they would otherwise have done, thereby increasing default rates, which served as a pretext for massive repricings of personal credit cards, surely an important issue in this forum. And if you think your credit fantasy world was disrupted by the latest Citibank repricings (which would have been unimaginable before 9/11, by the way,) then just think of all the militant groups out there that think that credit is unnecessary or shameful, that charging interest is a sin, that most of your consumption is not only wasteful but evil, that engaging in commerce is comtemptible, that women who go shopping are *****s, etc. Just think how much good your APR's, CL's, and FICO scores would be if those people blackmailed, controlled, or destroyed the United States. And be tolerant of people who see connections between world events, social trends, and the credit issue you happen to be thinking about today.