Yup, I never ever carry debt except my mortgage. Many years ago I carried a small balance on a First USA card. They tried jacking the rate up and I opted out. Then they retaliated and jacked it even higher. After several nasty calls to them I went straight to our state attorney general and the personal secretary of the president of First USA called me to make it all better. This industry is way over due for some heavy handed legislation. For one they like to claim they need to charge more because of dead beats yet they actively award cards to students who have zero income. I say they should eat that loss.