Credit cards are great, aren't they? Don't pay attention to the smoke coming out of my ears. You can almost always get a new one with a 0% APR. What's there to worry about if you miss a couple of payments? Oh, that's just my bifurcated tail, nothing unusual. Even if you get behind with paying off your debt there are numerous helpful services that are there to get you back on your feet. Thank you, they are nice horns, aren't they? Now if you'll just fill out this application...oh, no pen? Here use mine. Hope you don't mind that it writes in red.