Credit sucks. I don't want any credit cards. I've proven to myself that it's too tough to be responsible with them, and that the CC companies are (obviously) only in it for the HUGE profits they make at the cardholder's expense. FICO? Who is FICO? Is that your dog's name? Seriously though, NO credit is better than BAD credit. I'm trying to live to where I don't NEED credit, and I'm doing pretty well with that. I know somewhere down the road, I'm going to want to buy a house, and by that time my credit should be pretty much zero'd out. At that point, NO credit will get me further than the BAD credit I could (would) have with credit cards. We have a few things we need to pay off still, some are bad credit points, and we'll be on track to having it all cleaned up. I have heard that the CC rates are going so high because of all the people defaulting, they've having to spread some of the burden over to those that DO pay their bills. Socialism anyone?