Jim Charter wrote:
> Yeah I guess.  But that's the reason?  Since it's called a credit card 
> account I can't keep a positive balance as a buffer?

That would defeat the point of it.  As a "credit" card, it's a line of 
credit to you.  That is, a loan for you to access.  What you're trying 
to do is make payments on money you haven't borrowed yet.

Sounds to me like you'd be just fine with a debit card.  Rather than 
drawing against a line of credit (and thus increasing your debt every 
time you use it), a debit card draws against the balance in a checking 
account (reducing your capital instead).

...Chambers

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