This makes no sense to me.   I hate credit cards.  Hate them with a passion.  But in today's world having at least 1 for emergencies, online purchasing, or age verification basically makes them a neccessity.  I use mine as LITTLE as I possibly can.  Unfortunately, with car breakdowns, roommates that can't pay their share of the bills/rent, etc I've had to use them a bit over the past few years.  Originally I had 3 cards from 3 different companies.  Only ever used 2.  Since then my credit line on them has continuously increased so my need for multiple cards has diminished, but I'm now stuck unable to combine them because since I got them all 3 have been bought out by the same company..... Bank of America.  Yet, they kept the cards seperate even though they are all under 1 account in my name.  So I'm stuck paying 2 minimum balances and interest on 2 cards from 1 company.  I'm currently trying to convince them to cancel all 3 cards and move the balances onto just 1 card with 1 payment that I can pay off easier, quicker, and while saving myself some money monthly that can be put aside to my other bills.  We'll see how this goes... What I hate more than credit cards....   Credit Card Companies.

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