The Target thread got me thinking about the various benefits of shopping around vs. using just a handful of companies to take advantage of their "special shopper" programs. I think there are great arguments for both strategies. I posted on the other thread about my Talbot's charge. I love it and love the benefits I get for buying my clothes at Talbot's - combined, they bring my clothing costs down to the price to much lower levels. And we've had a Citibank card for years and years, occasionally (ever so) carrying a balance. When I call Citibank, the phone barely rings and there's someone on the line and pretty much whatever I ask for is done almost immediately. It's wonderful. But...there's is the shopping around approach, too, which has a lot to recommend it. What are your thoughts?