That is but one of many reasons my wife and I pay off our credit cards every month and keep no balance. We only use them for regular expenses and only for points. In fact I just cancelled my discover card. Sam Club now takes mastercard so I am down to just 2 cards, a visa with great airline points and the MC which gives me point I redeem for home depot gift cards.
Corruptissima re publica plurimae leges (the more corrupt the state, the more numerous the laws)-Tacitus