Not sure it will make much difference to me since I keep all my credit cards at zero or near zero.....never make minimum payments. I heard that card rates (all you have) can jump up somewhere around 45% if you are even one day late on one account. You didn't REALLY think that your favorite home bank had YOUR best interest in mind, did you? Things all around are going to get really tough for those who are/have been credit indebted.