yep, card info was taken and played with, so got a new account and quit using. But we had lived off that card so it has a good balance I've been working on strongly. I will still be paying the same amount I'm paying now but on the loan not the card because the card will be paid off. no interest. Sounds good to me. I hate owing bills myself but there are times when one must use one. Our fence is falling down now, etc...... never ends does it?