"Chuck" wrote in message
om...

"Steven P. McNicoll" wrote in message
k.net...

"Chuck" wrote in message
news

I've almost never kept a balance on a credit card. If I can't get a
real loan (i.e. bank loan with reasonable terms), then that means I
probably can't afford whatever it is I want to buy.


Must be nice... I don't have the option of very many luxuries, so I
need
credit from time to time for necessities...


Is your computer a luxury or a necessity?



I said "very many luxuries". Never said that I didn't have *any*

My PC is a luxury as well as my DSL, although it's only $5 more a month
than
dial up, and so is my Dish Network, but I only have the basic package.
Those
are my luxuries... What are yours?


Mine are not an issue. I'm not complaining about credit card policies while
purchasing luxuries. You are.