What a good question. I would love to hear everyone's opinion on this also. Mary I think my general opinion is the same as your's. I would have said exactly the same thing. The only thing that has made me start to rethink it is that I also belong to another board, and almost everyone there has it and love it. Now a big difference is that many of them live in Great Britain, so there may be better plans over there. I will check out the creditcare site that you posted lady zana. All thoughts welcome.

Sorry to hear that Chica had such a painful and scary experience. I am glad to hear that she is feeling better, and that it wasn't anything more serious.