Rick,
We have the same type problems here and I still think it is stupid. Some of those documents are not replaceable. We have people being foreclosed on every day because of their credit card debts. I can't believe how much some of them have ran up. I don't even understand with their income how they could have gotten approved for such high levels on several cards. I have one credit card and use it all the time as I hate writing checks. I then write one check and pay it off each month.
Ron