rankandfile is right. Sympathy. Also some knowledge from a credit card study, the first ever, published in October 05, which I posted here last week. Summary: the majority of CC users are using their cards for basic living expenses and unexpected expenses such as medical bills and auto repairs. The image of CC debt as a result of a lavish lifestyle is not true. Wages have not kept up with the cost of health & home insurance, home ownership, tuition, gas, utilities. It’s the lower income people who use the CC to pay for rent, food, utilities, car repairs.