Jmart, That's a new thought... MBNA did offer me 2 years at 0% interest, if I bring the account current. The one problem is that I closed the account...wanted to beat them to the punch, which now seems foolish. It would be worth it if they re-aged it...Maybe, just maybe... This is such a tough decision because we don't have any money right now. And, I don't need a good credit rating right now either. We just re-financed our house and won't be buying any new cars for awhile. I appreciate your suggestion -- you've given me something to think about. P.S. Sorry for "accusing" you of being a CC type, but you sure do sound like it...