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Originally Posted by Elphaba
It is interesting that this follows closely behind the new bankruptcy law, which was a windfall for the credit card companies.
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Exactly.
I'm also (presently) unaffected. I only use the credit card so that I don't have to hit the ATM as often, and for online purchaces: the money I'm spending is already in my bank account. I only hope a catastrophic illness doesn't drive me into credit card debt.