Personally I think it's time the people start to overthrow the credit card companies. I don't think it's going to happen unless we all band together worldwide. I know it's going to be hard but think we all need to cancel all our credit cards and just try to pay them off. Recently all my credit cards sent me letters saying my interest rates were going up from 9% to 26-29%. Are they kidding? They are obv taking advantage of new laws that are going into effect. I think we all as consumers need to band together and CANCEL ALL our credit cards. If we could get a real movement together we could probably make a real statement and make a difference. Esp if we eventually pay them off. WE NEED to dismantle these banks that hold us prey to their rules. We need to liberate ourselves from credit serial killers. Is there anyone else willing to get this started by cancelling their cards and getting a movement started? If enough of us do this, and you post it to your other discussion boards we REALLY can make a difference. If enough Visa/mastercard people cancel and eventually pay off we CAN kill that whole BRAND!