On Fri, 25 Sep 2009 02:24:53 -0700 (PDT), "Hustlin' Hank"
wrote Re OT - Bank of America:

You are correct in what you are saying. Like other posters have said,
the trick is to pay off the CC every month so that you don't pay
interest. In reality, a CC can be an asset if used correctly and claim
the rewards by paying it off.

Consider also that some CCs allow you to create limited one-time-use
CC numbers with a limited $-amount to use when shopping on-line:
http://www.bankofamerica.com/creditc...late=faq#ccs18

A feature I use often.
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