What is frugal living?

[sigferl]

Thanks for your post here. I agree completely. Take advantage of convenience card companies by paying full on time and earning points. It is the consumers choice.

God Bless America

The banks, or anyone for that matter, can only take advantage of you if you let them. They can't force you to do anything. The choice is always yours. The consumer could just as easily have turned it around on the bank and taken advantage of them - let the bank exec treat you to golf and lunch at a swanky club, then say "no thanks" to the loan. :-)