Ok, fair enough. I misread the article and may have an incomplete idea of how charges work. I was pretty sure there was a transaction fee, I know my bank card has user fees at the end of each month. Regardless, I do not have a credit card nor do I want one. I would much rather spend my own money outright instead of the "stealing from peter to pay paul" money shuffle. Paypal is great for this as I can take money directly out of my bank account. It's a personal thing, I know if I had a credit card I would get into lots of trouble with it so the smart thing for me is to not get one. Thank you for respecting my choice.