[QUOTE="Toto'sDad, post: 8546648, member: 69567"I should maybe take advantage of that and buy me a new car, and see if I could manage to go ahead and drop dead on 'em before I paid it off and complicate the shilt out of things![/QUOTE] I seem to sense a lot of "stickin' it to the MAN"...or "avoid gettin' stuck by him" the responses of those here who eschew borrowing money. I don't understand those who work so hard to avoid benefits...and spend so much energy trying to defend their position...something about a NOSE, a FACE, & SPITE. I LIVE on American Express. One personal card, one corporate card...and two of my employees have cards on our corporate account. I have no other credit card. I rarely carry cash...usually enough for tips. Gas, groceries, wine, electric bill, health insurance, Starbucks even my quarterly taxes... ...a dollar or a thousand...it gets charged on the personal account. EVERY expense my company incurs is charged on the corporate card. When I switched suppliers for our major raw materials 2 years ago, I told them they would have to accept Amex or I wouldn't do business. We buy $20-25K every month. It took them about a day to get set up. Amex stopped charging us an annual fee around 1990. The benefits I reap from those two cards are astounding ( I know our situation is different from most) ...but they're paid for by those who paid the fees and carry a balance. There is a big difference between debt-free...and credit-free.