* If a credit card has a fixed interest rate, then why can it be changed with 15 days notice. How fixed is that?
* If your payment is one minute late does that really justify a $39 late charge?
* If you’ve proven that you are not paying off the balance and the lender knows that you are probably stuck on the card, does it make it right to jack up the rate?
* If you are late on one bill, does that give the rest of your lenders the right to raise your interest rates to the maximum available by law?
* If the amount of time you have to pay your bill drops from 30 days to 20 days giving you less time to pay than what your originally agreed to, is that fair?

I agree with you on pretty much ALL these points. It’s why in my original comment I said I’m not necessarily defending the ethics or values of the CC industry. LOL. Point number 1, in particular, is disturbing. I also read a few months ago (can’t recall link–but maybe it would be a good post for you) that lenders are also becoming antagonistic to those of us who DO pay off balances. In the states, some sort of annual fee (on cards that usually DON”T have an annual fee) has been proposed (from a legal/legislature POV) to be served to people who pay off their balances each month and essentially don’t pay interest.

Your site here does a good job of informing people about potential pitfalls of credit use and ways the credit card companies continue to try and slide things ‘under the table.’ It’s tough for a consumer to stay informed all the time. It’s why, in general, both hubby and I are exceptionally cautious with credit. Unfortunately, many people aren’t–and it ends up biting them in the rear later. Hopefully some of them may stumble across your articles before that happens in a big way.