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necessarily be offered if it was truly a consumer card and it is important people are pointed out that there is a difference, and the other thing to remember, is, that you know, the average person in the country is trying to scale back in general what they are putting on a credit card and my advice is throw out whatever comes in the mail, regardless of fit is for a business or not. gregg: 70% of the economy is tied to consumer spending and so a little debt on your credit card would be, as i figure this out, good for the economy, right? that is the theory, yes. we are consumer driven as an economy and need the engine to be working. the good news is since 08 the balances on credit cards has declined and that means the average consumer has really done a good job at cleaning up their personal balance sheets. i think we re at the point where