Assume for a moment that the US was a household on an gross annual income of $18,000. Last year they put $5,000 on their Visa each and every month, racking up a grand total of $60,000 at 20% interest. Think of the frequent flyer miles...They contine the spending spree, mostly on guns and ammo this year, so their November 2004 statement shows an outstanding balance of $110,000...on a gross income of $18,000... and I thought I had problems. And they haven't even started paying off a dime (see, I'm getting into the local lingo) of interest yet. I want me one of those credit cards.