I just wanted to clarify this. I really dont hate the people at discover card. I just hate what happens to you when hard times hit. I know we can not predict hard times, so we need to try to be more diligent and not let things get out of hand.
Believe me, Me and wife are making plans to watch more closely, and not to use the cards to build something. Either we find a different way to do it, or we will do with out. I hope others can live by this advice also.