My husband and I have several major credit cards, and a few store cards, as most Americans do. With the recession looming over our heads and the economy being what it is today, we decided to be proactive in our debt management and pay off most of our credit cards with our income tax refunds. So in February when we received our Federal tax refunds, we paid off Lowe's (balance of $400), Discount Tires (balance of $700), JC Penny (balance of $300), and SYMS (balance of $300). As of yesterday April 6th, we've received 3 letters from GE... read full review »