[Terry L Smith]

I had an AMEX card, in the 1980’s. I cannot recall much, because I was so soured on the notion of credit cards, that I vowed I would never do that again, and I have been successful, to the minute you read this.

[napscoordinator]

I haven’t had a credit card since at least 2000. It’s a dumb thing for people to have. Yep. My credit score has zeroed out. I’m a big believer in Dave Ramsey. But idiots don’t listen to him.