ADK = Aloha Dave Kennedy, one of our members here who is well versed in the dark arts of financial institutions, including financial reviews by, as he calls them, the Cardinals.

Let me offer some friendly advice. You've had some issues with the US Airways card and now this. Before you get yourself into any deeper issues, stop, get familiar with these devices, and quit trying to rack up a bunch of miles before you know what you're doing. You screw up now, you may not be able to get back into the miles game with credit cards for another ten years.