:Lao:
We got a call from Discovery card service wanting to know why we were not using the card.
Hubby told them that card was our ACE in the hole in case of emergencys----so far none of that in the last year.
Home Depot is the one card to keep up to date. Man they are powerful, I have heard storeys from friends about that credit card causing chaos if not paid off.
Sears is OK for us, no problem with them, If I forget the due date is next week, I call them and they extend the due date by a week.
Stores credit cards are not bad if you call and explain a problem, they want to keep a customer.