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Hah! I was reading this thread and one thought came to mind.

Having bad credit DOES have its rewards folks! No calls from sales people at 9am on a saturday morning asking you to transfer balances....no "Payment Insurance" sales calls.....

Hah!

Visa doesnt call me, Bank Of America doesnt call me, Providian doesnt call me, Citibank doesnt call me.....no one calls me asking me to transfer balances from my "high rate" cards to their "lovely one-time rate of 0.00% APR and get this FREE life-time supply of dish-washer detergent!!!"

Nope!


None of that!

fool on!

~f.
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