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To: Stock Farmer who wrote (91350)	4/7/2001 10:58:59 AM
From: stomper	Read Replies (1) \| Respond to of 436258

Good points...I participate in the cost/convenience model frequently. Seems unlikely that a 4X increase in credit card spending in such a short time is due to the convenience factor though. BWDIK. -dave

To: Stock Farmer who wrote (91350)	4/7/2001 12:27:49 PM
From: marginmike	Read Replies (2) \| Respond to of 436258

We have been there 5 years credit sales have gone up from 200 average for 4 years per day(less then 5% of sales) to a level this year of 800 per day closer to 20% of sales. So I am saying the trend has changed.

To: Stock Farmer who wrote (91350)	4/9/2001 10:52:03 PM
From: Jacob Snyder	Read Replies (2) \| Respond to of 436258

re: credit card vs. cash purchases: It all depends on whether you pay the cc balance in full every month. The increased use of credit cards is worrisome, because so many people carry high balances. I charge everything: groceries, phone bill, housekeeper, renting kayaks in Mexico, etc., etc. I hate paying in cash, because then I have these useless round pieces of metal left over (coins), that just collect in corners and gather dust. But, since I pay my cc balance in full every month, I pay nothing for the use of their money for several weeks. I suppose if a large enough fraction of customers did like I do, the cc companies would have to change the rules.