Credit Card Fees Going Up! CARD Act

They've got you going and coming!

When the recovery takes full effect, if your FICO score is low, you still won't be able to do much!

I got one of these letters. I opted out since my interest rate would have gone from 9.9% to 27%! Credit is evil, plain and simple. I'll pay off my debit at 9.9% and take any hits to my credit score. That is as long as I have a job. When I lose my job to this economy, all bets are off. The banks will get nothing and like it. They can %$@#& my credit score, I really don't care. I use strickly cash & checks these days, no debit or credit. Also, $4.00 in checking after bills are paid. Cash is king!