[babacar]

Hi,
This is just my two cents, not real money like someone said.
You would be well served to disregard most of the offers coming to you in the form of unsollicited mail or phone call. But whatever you do, don't disclose sensitive personal info over the phone, specially if you did not initiate the communication.
As far as credit cards are concerned, I had 10 in the recent past. Now I have none and don't touch them with a 1000 feet pole. It is one of the worst scams known to man.
I live by this moto: If I cannot afford to pay cash for it, I don't need it yet.
Well, I broke that rule once when I wanted to buy a house and live in suburbia.It costs me dearly: every month when I pay my mortgage, $450 goes to pay for interests, $200 goes towards property taxes and insurrance and only a measly $199 goes towards the principal. What a scam!!!. But I still consider myself blessed because I negotiated a rather low interest rate(4.5%). Now imagine the folks who are paying 6%,7%, 8% or more!
If I had to do it again, I would save and wait till I can buy cash, even if it meant living in a very modest house.
I am trying to get out of that mortgage via elimination.When I succeed I will post in this forum.
Hope this helps.
Babacar