 But banks know the behavior of people. I've been a banker for 40 years. That's why I won't let myself get one because I know if I was to get one, I would get too lax in my spending and thinking, oh, I could pay this off later. And I just don't want to put myself in a trick bag. When I got Macy's notice, and I have a balance at Macy's. I bought twin beds for my grandsons, bunky mattresses because they are going out of business, question mark.