@ranydm77- Good point but I assumed it wasn't a charge card because he said credit card. @katetheshrew- Also a good point. I've never had such a card. I do know that sometimes a credit card company will apply such restrictions to new card holders. Usually, after a credit history has been achieved they remove such restrictions. In this day and age it is almost essential to have a basic understanding of credit useage. I once financed a new car purchase over several years and saved several thousand in the process. This was because I was able to invest the money elsewhere at a higher rate of return than the interest rate charged for the loan. This doesn't happen often but when it does it is like just picking up money lying around for free on the streets. It sure beats working for a living LOL!