Hi keith, Thanks for sharing Andy's bizarre experience. It had me ROFL ing at the idiocy of the bureacracy, but it sure is scary. he he. In a message dated 4/9/99 4:10:43 AM, keithdj@mindspring.com writes: <<In March 1992 Andy Mikula living in Dickson City near Scranton, Pennsylvania, received a bill for his as yet unused credit card stating that he owed $0.00. He ignored it and threw it away.>>