I'm trying to think of a reasonable answer, something that would make sense, to those that will see this, so...

I'm taking a look at this whole credit thing. It doesn't make any sense to me. Let me explain. So, I'm working and earn a living. You give me a card, that allows me to purchase things with you companies name, and you charge me for doing this. Never mind the fact, that I DO have the money saved up for the purchase I want. But you, the company, don't take into account or want to hear anything when it comes to me losing my job. All you, the company want is your money. And, if I'm late for a payment, you charge me for that also. That to me sounds like a rip off.

I have friends who for years thought that their job was secured because they have been there for years. Only to be let go, and their whole world has come tumbling down. Lost the co op, lost the car, and are being sued by credit card companies for falling to make payments. They are trying to borrow money from loan sharks, but they don't have a job. Its sad.

Today, there are commericals about improving your credit history. Jobs are even checking your credit history before even hiring you, and to me that's sad. But that's what makes this country run, credit, good faith. From 1988 I stop using credit cards cause its a crazy concept to me. If I were to have a family, kids, car payments, and a house payments, yeah, it would be different. But I don't need that right now.

Its just like education, continuing your education. People lose their jobs, and the first thing they say, going BACK to school so I can get more learning, more training. Me, I say your going back to get more bills. School cost money and if you have no job, all you're getting is education that you pay for on loan. For those straight out of High School, its a different story, I don't include you, you're 'future buying power', cause that what it is.

A coworker, who is a manager, is now receiving calls at work for failure to pay one of his credit cards.he makes way more than I do, but he has a family to support. All he is worrying about is his credit rating being destroyed. I say, his good credit history is history now.

I watch a documentary the other night. It was about the USA, and what would happened if the USA wasn't there for all these countries that depend on us. We are having problems of our own here, but our government is always extending their hands to other countries when THIS country needs help also. If we pulled out from helping all this countries, income tax would be cut in half. All the money we spend on defense, that could and would go to a better health care and other things. But those who are in country see this,and they don't see this.

I don't know any more.
--michaelchappell