[Terre]

Here's a side issue. I'd be a bit wary of how GE Capital treated you. They bought out a store credit card I held a few years ago. My payments, which until then had been perfect, suddenly started accruing late fees. I'd send the check, it'd get cashed two weeks later, and I had a late payment fee.

I started sending the checks return receipt requested, so I could prove when they were received. Same thing happened. I called to ream someone, which is a particular talent of mine. I was informed by a customer service manager that tough luck, THEY were not responsible for how long my check sat in their mail room.

FYI, I take credit cards, through paypal. Most of my jobs are small, but I think it helps, partly because people always think if they aren't satisfied they can refute the charge. Hasn't been an issue yet. But I'm up front with them. If they want to pay by credit card, fine, but I charge the extra percentage to the customer that paypal charges me.