I think I understand it, but that is not right or fair. I spent a lot of money during those times, all Gifts and what I wanted myself. I though I would get cash back and save that extra money. I got angry, and very frustrated with it, kept getting capital one notices, I could save money, and I finally decided to try it. It does work, I was convinced it was me, I am doing nothing different, while shopping. Only going after free shipping, not shopping online without it being free. It was not easy to want to try something new, just got angry enough to do that.

Jtowner