It is interesting that this discussion is occurring this evening. I got a bill for a 65 dollar late fee from Bank of America for a credit card bill I never received. I was on hold for forty minutes and got a very rude woman who told me she sent it out and its not her problem that I did not receive it. I am a person who pays my balances so maybe they did not send me my bill to make some money. Who knows what fraud they are capable of? I am in business too so I take credit cards. It is true that it is annoying to take a fee for a small purchase. It is part of the agreement to do so however. I tell people I would prefer cash for small purchases. If they refuse I don't have any reaction. Sometimes they inform me that they get air miles etc. toward their purchases. I don't like credit card or insurance companies too much so I don't want them to have my money. Give your money to the merchant not the credit card company. JMHO Cynthia Pena ============================================================================ POST is Copyrighted 2007. All material remains the property of the original author and of GSD Communication, Inc. NO REPRODUCTIONS or FORWARDS of any kind are permitted without prior permission of the original author AND of the Showgsd-l Management. ALL RIGHTS RESERVED. ALL PERSONS ARE ON NOTICE THAT THE FORWARDING, REPRODUCTION OR USE IN ANY MANNER OF ANY MATERIAL WHICH APPEARS ON SHOWGSD-L WITHOUT THE EXPRESS PERMISSION OF ALL PARTIES TO THE POST AND THE LIST MANAGEMENT IS EXPRESSLY FORBIDDEN, AND IS A VIOLATION OF LAW. VIOLATORS OF THIS PROHIBITION WILL BE PROSECUTED. For assistance, please contact the List Management at admin@xxxxxxxxxxxx VISIT OUR WEBSITE - www.showgsd.org ============================================================================