@2ball wrote:@... @SouthJamaica may have more to add and/or other suggestions.
Thanks but no, I've bowed out of this thread; after all the back and forth I still don't know what the facts are.
@SouthJamaica I am 56 years old, I have a 815 credit score when I checked last week and a 33 year credit history. Yesterday was the very first time I learned that there is a difference between charge cards and credit cards. Forgive me if I used the incorrect terms.
Nothing to be forgiven for 
I was just getting too confused, for my simple mind. I'm glad @Zoostation1 was able to figure it out and help.
