Barry, can you or one of the staff elaborate on department store cards in regards to how long you have to use them before they are reported as inactive? My concern is let's say I go to Sears and charge everything that I need. But I will not need to use the card for 5 years ebcause I have everything that I need, so when will I get reproted as inactive compared to a credit card? This sisue needs to eb addressed!!! The same thing with any other dept. store or gs station card