First of all, do not respond to my thread with snarls of my writing.

Second of all, IF you read this - which, I doubt - you'd see I am demanding an HONEST look, not demanding approval.

Third, if you think extending credit to people who doesn't need it contributes to the fall of our country, tell that to the crime rate statisticians; people who AREN'T getting the credit or chances they deserve are the ones running up in people's houses and taking the things the people who DO abuse credit cards have bought.