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<p>[QUOTE=&quot;coleguy, post: 1216148, member: 9167&quot;]Credit card companies tell people their credit will decline if they don&#039;t use credit cards, which is a blatant lie. I haven&#039;t used a credit card in over 20 years and have all three scores well into the upper 700&#039;s. They&#039;re crooks, plain and simple, yet people fall prey to the term rewards that are thrown at them. They don&#039;t give anything away to anyone for free.</p><p>Guy[/QUOTE]</p><p><br /></p>

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