Even though everybody think that they have won the war by making Congress impose the new Credit Card Regulations.... every American need to remember the following:

1)  First, the banks are here to make a profit;

2)  These are your debts that you have borrowed from them;

3)  Every American need to learn to start taking irresponsibility for themselves before pointing fingers at everyone else..

The New Credit Rules basically have the banks hands tied up wherein before they are able to review every situation on a case by case scenario, depending on your history with the bank and relationships...