Trouble is TT, we don't get a choice. Ain't like visa is going to sit down and go over the fine print with you. You dont want to sign, fine. See how far you get without a visa card.
FQ13
FQ, don't let your mouth write checks your ass can't cash pal!

I went nearly 10 years without a single credit card, not one! If you have the will to give it a try, it's well worth the effort. I have one now but almost never use them. I'll never apply for another! There is only one winner in the credit card business and it ain't the consumer!