@Mark, do you have a link to that legislation? That would seem to solve positiveThinker's complaint. @DBlock, on the points... what you quoted seemed to make the point tc3 and suckerfish were making. You said your card boilerplate says that you can use the points as long as your card is in good standing. If the card has a zero balance on it because it has been paid off, that's obviously in good standing. The fact the card companies force you to keep points on account prohibits you from using the points anyway you look at it. Whether or not the points are yours (which they are) or theirs as you seem to imply, you still can't use all the points you have earned entirely. You also keep saying this is "their" money. The scenario presented by tc3 is one where "their" money has been paid back entirely, with interest as provided. But the card company still will not let the card holder use all of the points. If you earn the points and pay back the entire balance of the card, have you somehow un-earned the points?

@Mark, that page on Wikipedia that I quoted has been edited several hundred times since I quoted it in July. Although the quote does not appear there now, the substance of your quote is exactly the same. Rest assured, the quote was certainly there when I made the comment back in July. In any event, the facts are the same - Chapman was sentenced to 5 years, served 2. Perfectly refuting the comments of 'Mark' (not sure if that's you or not). Although it is difficult to tell from the original comment whether or not that 'Mark' was doubting the conviction for murder or the time spent in jail, one thing is clear by Chapman's own words said many times over and cited by me earlier - he was convicted of a felony involving murder and sentenced to 5 years in prison. Anything else is semantics.

In all my years, I've never faxed anything to a cell phone. In fact, I've never met or heard of anyone who faxed to cell phones. Add "press 4 to send a fax" to the list of unnecessary options.

@Unknown, thanks very much, I have talked to plenty of payday loan customers. I'm not exactly opening my wallet to them, but after payday loan customers have been raped for months on end with the "impossible" scenario of rollover triple digit plus interest (see Lynz above) that occurs everyday, I do keep my attorney's fees for filing bankruptcies for the payday loan customers very low indeed. @Jules, the APR is the great equalizer. The APR is the common denominator of lending - it is the only way to tell how much financing really costs a borrower in comparable terms. It's kind of like pricing a gallon of gas in "gallons" as compared to pricing it in lower quantities like ounces or quarts. Rates, or "fees" as Lynz refers to them, vary from lender to lender and so does the terminology the lender chooses to use to describe the transaction. An annualized comparison of the rate makes it easier for a consumer to calculate the relative cost of the loan.

@jaymore, paying attention to the facts and figures Lynz (disclosed payday loan industry insider) has provided means a payday loan carries at minimum an equivalent 391% APR and on average an equivalent 416% APR. Is that what you hope people understand?

Mark said: [quote]...I highly doubt dog served 18 months for 1st degree murder that is more like life in prison or death by lethal injection GET REAL! Who is privy to Dogs criminal record? If your going to make statements about his criminal record please support it with verifiable documention.[/quote] Is Wikipedia good enough for you? - "Before becoming a bounty hunter, Chapman had frequent run-ins with the law while serving as sergeant at arms for a motorcycle gang, including 18 arrests for armed robbery. In 1977, Chapman was convicted of murder and was sentenced to 5 years of hard labor." How about Dog's own words? "D. CHAPMAN: Well, that's, like, hypothetical. I think I threw a rock at a car. But, you know, I had a terrible past until 21 years old. I was actually in Texas prison when I was in my early twenties. So... KING: For what? D. CHAPMAN: I was an accessory to a murder. I was in a motorcycle gang and one of my brothers in the gang went in the house and there was a shooting, came back out. And in the early '70 in Texas, there was no accessory before, during or after. There wasn't back then. So all of us there went to prison for the same thing. " (see transcript - Larry King, Aired December 3, 2006 - 21:00 ET