I don't think so - at least up to this point - as we only deal with our bank and only do this when we go overseas every couple of years. We also pay the card off in full at closing and don't carry the debt over to another card or such. My credit rating is such that everytime I go to buy something major they keep trying to get me to buy more - a more expensive car, a bigger house, etc. But it's because I don't fall to temptation that my credit is good.
Richard's $.02 
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“Sometimes the Bible in the hand of one man is worse than a whisky bottle in the hand of (another)… There are just some kind of men who – who’re so busy worrying about the next world they’ve never learned to live in this one, and you can look down the street and see the results.” - To Kill A Mockingbird (Atticus Finch)
“Almost any sect, cult, or religion will legislate its creed into law if it acquires the political power to do so.” - Robert Heinlein
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