What is happening in England, related to consfication of homes , jogged my memory. When credit cards first became available in Australia my father explained to me that if I , or anybody for that matter, could not continue to meet their obligations that credit card company could take your home. I never heard of an instance where this happened,but do know it to be true. My father always referred to credit cards and "hire purchase' as never-never......never own it and never pay it back...always live within your means. The latter always stuck in my mind although there was times I took a chance and got away with it. Sorry did not mean to put in the "explain yourself" quote.