"...the borrower is slave to the lender." Proverbs 22:7(b) My freshman year in college I received my first credit card. I thought I was so important! Thinking to myself, "Look at me, I got approved for a credit card!" With my new "status" I went shopping! Walked into the Bennetton's store and came across a sweet derby jacket! $80 was the asking price! Now back in '87, that was a hefty price for a jacket, but I had to have it. Pulled out my new found "status" and in one swipe that jacket was mine! For two days that jacket stayed on the hanger as guilt wrecked havoc in me! On the third day I went back to the store to return my purchase. No problem I thought! Return the jacket, get my money back, guilt is gone. It was all good until the the Bennetton representative said the following words, "Here is your store credit." "Store credit? I don't want store credit." The representative showed me their store