This is so very true. With ID theft as prevalent and as easy as it is today, your walking on water chancing that the ice don't break going this route. Your better off with a CC and just paying it off during the 20-30 day grace period. That's coming from someone who lost their wallet this last Friday with ID's, CC's, ATM and a Military ID with my SSN on it. Thank God I had life lock and they were on the job and I have a good relationship with Navy Federal Credit Union on the ATM. Instead of being a disaster it turned out to just be a PITA and a bump in the road!!! BTW...You don't wanna know what I can do with that check book in a matter of minutes if I am dishonest and can get my hands on it. Just saying...