Thats what I thought. I mean, not everyones situation works the same. We are happy the way we have it and it works for us. We dont fight or worry about the finances so I took that as a success! 
In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Store Card 1800 CL, Kay Jewelers 3000 CL
