Gert: You know the world still spins and every day life continues WITHOUT a credit card.

Yeah, but it suddenly stops spinning if you don't have a CC and you have to rent a car or get a motel room.

For what it's worth, this whole pre-dispute mandatory arbitration agreement scam was the brain-child of USSCt Chief Justice John Roberts. As long as you're writing letters, write to your federal and state legislators and demand consumer protection laws that make pre-dispute arbitration agreements null and void.