Reply #39: And someone who refuses to pay their debt and someone who holds up a store are also no different.

[sinkingfeeling]

Both have taken things that they didn't acquire legally. And so what if the interest rate goes up on an unused card?

By the way, the credit card companies didn't destroy someone's credit, the person that used the card didn't pay the money back according to the contract they signed, destroyed their own credit rating.