wrong. there's not much more to say about the credit card abuse, but I'll say it. I don't know who's responsible yet, but I figure I will get to the bottom eventually. Someone purchased a bunch of phones and flowers on law-abiding dime, and I know that I am disturbed by that. We'll see who is more persistant - me or the credit card companies. Anyway, one thing I've learned is that credit cards linked to debit accounts are a terrible idea. Not only do the banks charge you ridiculous fees for overdrafts that amount to usury, but if something goes wrong, you have to pay for it for 10 business days while the bank claims to be looking into whether you actually did it.