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We pay our cards off each month and have actually stopped using them at all because I find their practices so distasteful. I think if any area needs reform it would be credit card companies. They are a bunch thieves constantly changing their terms, they are predators and masters at marketing their evil.

You know - there is a free market out there. There are plenty of no annual fee and low interest rate credit cards you can sign up for. Credit Unions are a good place to start. Money Magazine every issue lists about 10 of the very best national cards. If someone signs up for Discover and then complains about it - it is a pretty easy fix WITHOUT THE GOVERNMENT "helping"...