Oh, I know it. They're fine citizens. Children & pets do need credit cards, so sending several letters daily trying to sign them up is important for this country, our future, and the fabled career of Evan Bayh. I do believe that 10 pages of small print that still shades the fact that a 20% interest jump is iminent, and it is appropriate for such changes to come at random. And, it goes without saying that a $30 (or higher) late-fee is, like, totally fair. And also, reminders (phone calls on the half-hour all day) are great when you're late on a bill.
We need more courageous Senators like Bayh to stand up to those dirty Americans that get in trouble with their credit cards. Plus, he probably needed a really nice swimming pool installed at his house.