Haha, i don't use em for the very reason that i generally can't pay off my debts
i'd be filing for bankrupcy before you knew it. Foooooooooooooood!
A few years ago i opened a second bank account for bills with a £100 overdraft, i hit that overdraft limit within a week or so
not sure when i'll get around to getting it back to £0.00, i just pay in a few pennies every few months to make sure that the interest doesn't send me into the red and as such one of those lovely letters from the bank explaianing the administration costs involved in a computer printing out a letter telling me i've been a bad bad boy
bastards!