Actually, I take it back. We do have on Visa card through the local credit union. No fees, no hassle. I forgot about it because it is used basically only for travel and I rarely even see it.

As for the Easy Pay, it does sound like a great idea. If I want something for say $300 but I only have $100 extra per month, it would allow me to get it now. Problem is, what if something important comes up in month 2 or 3 and you suddenly don't have the money to cover it? Obviously we have plenty of cash in the bank to cover most unexpected emergencies but I'd still rather wait until I have the cash in my hobby budget to get what I want. And yes, I do have a hobby budget. I factor it into the budgeting just like I do savings, retirement, house maintenance or any other category. Also, any "side" money that I get generally goes toward the hobby.

I agree with Minnflyer... be responsible. Unfortunately most of America has had a very hard time with that over the last couple decades.