Good point ripsnort. My bank offers me the option of paying a $100 yearly fee, and my intrest on my visa is reduced to 8% i believe. Still, the best bet is not to spend more then you can immediately pay off. After all, whats the difference, mailing a money order to hitech or to VISA? I use mine all the time, but If I cant pay it off I dont use it as a cash advance card.