The typical rate is 75 cents for each $100 of loan coverage per month. So your credit card charges a 15 percent finance charge and the insurance adds another 8 or 9 percent. That's not an insignificant amount of money.

If you add 7 cents of credit-card charges and a nickel margin, you have more than $3 a gallon. I am sure it will happen tomorrow.

Every person who pays off their credit card in full each month should be using a credit card that gives a rebate or a reward. Otherwise, you are being economically foolish. Some of these cards pay you a significant cash rebate just for using the card.

Life's irony;Some people use their credit cards to start an enterprise,while others use theirs to accumulate unyielding assets.

I wish the credit card terminal showed "Do you really need to buy this" before I entered my PIN number

Money is a poor man's credit card.