I totally agree, and you are 100% correct. But we don't carry balances and don't use the card a lot. We were going to drop this card before when it was associated with something else and that program ended. Then they switched it over to the ASPCA, so we kept it, since we have had it for like 12 years and it is great to have that on our credit report. But you are totally correct, writing a check directly to the ASPCA is much better. We do also write out checks to them on a normal basis. :)

Take care,
-Frank