[Lalolyen]

Angelox, credit cards are good for 2 reasons in my opinion, and this isn't Dell, its any credit card company (Dell just happens to have their name printed across a "Citi Financial" owned card)..

1. To build your credit up (by means of buying 1 stick of chewing gum per month and paying the bill when it comes in before any intrest can be tacked on.

2. In EXTREME emergency situations where a bank cannot be used (example: You are on a trip in Mexico, its sunday at 5 PM and you missed your plane, you need to pay an extra 500 dollars or so to get on the next one and you have to be at work the next day). Even then, like you said, the next day, pull out a lone, pay the bastards off when that bill comes in.

If you want cash for gizmos, visit your local bank =), if they loan shark you, they have the Federal Reserve to deal with he he.

But I know what you were talking about and I'll explain how they did this...

Credit Card companies can imply fees 1 year later than what the fee was accessed for...

You got hit up with that clause. You maxed out the credit card on March 01 @ 1.5K. On April 02 the bill is due, and WOAH! You just got intrest added to the 1.5K that now puts the balence to 1.55K which is over your credit limit...

Yep there is a 20-60 dollar fee... each month. And your min payment is still 40ish dollars, because they aren't going to anticipate the overlimit fee in your bill.

Credit Card companies are evil... period.