Hi
Don't have one, it is easy as that.
I use to have one about 8 years ago, and ran up a big bill, and paid this of, and ripped it up and never had one again, i just have my cheque book and card now, and i love it.
Yes, i do miss it at times, especially when duty free shopping in AGP, but hey i use my switch card and do not get into debt.
Bye