I wanted to make sure I properly thanked those who posted congratulations. I also wanted to thank Saar for his input. It feels good to have a revolving card with no annual fee, a 10.99 percent interest rate and a decent line. FYI, I had trouble signing up for Amex's online site and had to call four times to get help. Each CSR was helpful, polite and professional. They actually thanked ME for calling. It's been a good day for ol' Darrell, a man whose life has been greatly improved because of the fine people who have inhabited this board in the past couple of years.