Here's a true confession: up until recently, I was one of those people who would get a CC bill and just pay it without looking at it very closely. Anyway, I had a decent sized balance on my Circuit City / Chase card ($700+) that I have since paid off. Once I got to the point where I was all fired up about cleaning up my credit report and such, I started looking alot closer at my bill. I found one of those little $2 or $3 charges on my account but it wasn't really clear what it was for. I called about it and asked what that charge was for, and told that it was for insurance in case I was sick or injured or maybe laid off from work and couldn't pay my bill. So in other words, I was paying money to ensure that CC gets paid. I don't think so. I asked when that had started, and they said "oh it's been on your account for a XX months" (basically a couple years). I asked them how that got started and they said that I must have agreed to he charge. I informed them that where I work, I have paid sick leave, and that I have well over 1000 hours of sick leave built up, so I would not and never had any reason to agree to such coverage. They replied with, "well sir, you must have approved this". I told them that if I approved it, they should have something with my signature on it that indicates that I am excepting this contract, and if they didn't, they need to remove the charge because I do not want it. To their credit (not sure they had a choice) they dropped the charge and refunded the amount that I had paid over all those months. I think it worked out to something like $80 off my bill. As a side note, I just paid off $600+ on this account to pay it off, but yesterday I got a bill for $10.75 balance due. the paperwork shows my $600+ payment, so I assume that this is for the finance charges that had built up before I paid off the principal. I'll pay it, but it just goes to show you how much you pay in interest on these sub-prime 20+% credit cards. Sickening isn't it.