I am like most people in debt due to credit cards, they are convient but really hurt you in the long run. It is all about the $, there is no compassion or concern for anyone. Now on the news they are wanting to raise your minimun payments and lower your credit limit. It doesn't matter if you have been a customer for years or days you are still treated like scum of the earth. I wish I had never got a credit card, if you don't have cash just don't get it. The hassle and repayment are not worth the product or service that you buy.