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Wow, I don't think we ever used it, but on the other hand I always remember my mom and stepfather having credit cards and finances in the house were never something that was discussed or seemed to be a point of worry. We lived fine but not rich. For example, my stepfather went from a corolla to a mazda 323 gt in 1988. Mazda's version of the little pocket rocket econobox. I think sticker was around 13 or 14k. My sister drove the corolla for years after that. My mom had a chevrolet spectrum (Isuzu I-mark) for years, and that little piece of crap was fine for her 14 mile round trip commute. So we were definitely middle class.
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