I know so many people who are maxing there cards out on vacations and crap. no stocking just being foolish. one gal said she would owe until she died. Im done with credit cards, and paid the last one off this week 4 off last year. Im done and only use cash now. well my check goes into my bank, but I take it right out also.Im just wondering how the banks can get there money back, or if they will bother?? or will they take those big debtors and lock them up?