The credit card companies surrendered to their own prurient naked greed.
There is no place in Capitalism for the lust of greed. Working for one's self-interest yes, but not lusting after greediness. The Bible warns of these two deadly sins to the individual and society.
For the banks, lusting after their greed, actually harms themselves in the long-term.
For the consumer, lusting after their greed, again actually harms them in the short-term.
Constructive self-interest has been replaced with first jealousy, then lust, and now blatant greed.