I've worked all day- traveled alot- listened to The Dave Ramsey Show. Its funny- my friend kept getting a statement from Citibank saying that she owned a zero balance- she had called before and asked to close it. Now she called again yesterday and explained that she was on the Dave Ramsey plan and didn't do credit- the supervisor said that she knew all about Dave Ramsey and she had been working for credit cards for 19 years, AND Dave Ramsey wants her to have the credit card- what a crazy woman- anyone who has ever listened to his show knows better!!