I'm a VERY RARE user of a credit card. I got fed up with them years ago and ditched all of them except my personal AMEX Optima Card (allows a balance to be carried over month to month). I also have a corporate AMEX (work use only). The personal card MAYBE gets used once every blue moon for motorcycle gas. The card is obviously paid off (we're talking less than 20 dollars worth of charges) the month of use. Anyway... apparently having a credit card and not using it actually hurts you FICO score! Not only that but I just got a letter notifying me that as a result of my use habits (i.e. I rarely used the card, when I did use the card it wasn't much, and I always paid off the balance) that they were cutting my credit limit in half!

Apparently, since they weren't making any money off of me they are going to give it to someone else that they can make it off of.

'06 TBA - Black, AI and Snorkel removed, K&N Drop In, Gutted Stock Pipes, 145/42, 2 turns out.