Just curious, any reasons you don't want a charge? Is there a negative I'm not aware of?[/QUOTE]

to keep it short

recently had an issue...... was out of the country longer than expected and was late on one of the payments. the company locked all my accounts and was stranded... i use a private bank and have to been in person to transfer a large sum... i was overseas 20 days over expected and bottom line had to get wire transfers from other accounts. bottom line was starnded cause i only had that companys cards and felt that i was at their mercy.