That caught me by surprise though, Lisbeth. You're the only one I ever had a payment problem with. I wonder if that means everyone else pays the extra. As for me, I don't pay anything to use the credit card. I get billed only for the amount I spent. I prefer using the credit card as, for many many years now, I used it as a temporary loan (so to speak) since I just pay the entire balance off each month. Works better than deposting money in PayPal and it sits gaining no interest. But, it's a worthy piece of info.