THL got me on that "I have more than I can smoke in a year, I'm all done buying now ..." Cripes, I must say that half a dozen times a year. And I am finished, until a deal I can't pass up comes along. I, too, use the debit card trick. Or snag some of my expense account reimbursement money from work and pop it on cigars. That's some real stealth money. Until my credit card hits $20,000 and there's no reimbursements outstanding.