lol. It's ok...this is pretty hard to explain anyway if you ask me. You all are amazing for helping me this much and explaining things in such detail. I just want to make sure I don't mess anything up. I will PIF about a week before the due date...and like you said, if there are extra charges on there, I will pay all but 1% before the following statement date. I have to put a few plane tickets on my Discover and I'm not sure that will be paid in full but I'll try paying it down as much as possible.

thanks again =)