Yeah, I totally agree with you Delta. Unfortunately, a lot of people don't realize they are getting charged a ridiculous amount of interest until they notice their minimum monthly payment doesn't even touch the principal! Oh well, live and learn I guess.
Freak4Dell - I just wish Dell has a 1 year no interest program. That incentive would make it a lot more tempting for people to apply for the Dell credit card. By the way, that is the only time that I will make a major purchase on those retail credit cards.