Reply #94: One question ...

[dh1760]

Does personal responsibility fit in here at all? Just because the the CC company extends you thousands of dollars of credit, does that mean you are under some obligation to use it? Are we saying that the average person is incapable of making a rational financial decision, so the CC company should save them from themselves by not offering credit?

Flame or ignore me, as no doubt most will, but I am interested in civil, logical responses.

-dh1760