Credit Card People can be hard people to deal with. They take a hard line, "it's just business." I'm starting to build a national strategies on them and all credit card companies that take just a hard line view. "It's in our contract" "It's just business" "etc" A friend of mine who's 70 said that years ago activities like this would be consider illegal. I found some notes on the internet that I thought were good; but need fine tuning. If you have any suggestions please forward them to me at: mind@rcn.com and/or distribute over the net. I'm developing a flow chart and diagram to get the problem out to expose their lies and deception as their actions hurt their customer and the economy. Email me at: mind@rcn.com To get a rough working copy of this document in a jpg format. You can take the image and copy it to paint brush to edit the image or click the attachment and it should bring up whatever program you have a jpg file associated with it.