You know what? am fed up with credit cards and their unpredictable charges. They keep bringing new charges, changing the rules and everything, its frustrating. so am going to try a pay as you go credit card, with this at least there will be no annual credit card fee to pay. I know i will miss out on the points as pay as you gocredit cards don't give points but atleast I won't be paying crazy fees just to keep the credit card