Tom ...

DAZ PC is not a credit card.  It is just a club.  Unless you cancel your membership, they bill you $7.00 a month for your membership.  You can cancel your membership at any time by just contacting DAZ and cancelling.  There is no long term committment.  I did read the fine print.  I'm an attorney.  People pay me to read the fine print.

So, your experience with credit card companies really doesn't enter into the equasion, and yes, you passed up a really good deal.  But then, that happens to all of us from time to time.  Heaven knows I've passed up on a number of great deals over the years.

Could be worse, could be raining.