So, if you don't like it, don't sign the contract.
It's not necessarily that simple. For one thing, if you need a mortgage to buy a house to live in, your credit rating is a huge factor in determining how much interest you pay. If you close all your credit cards, your credit rating goes down, way down. In addition, insurance companies and employers rely on credit ratings.
I am not saying that everyone who works for a credit card company is evil. Some credit card users are also irresponsible. Dave Ramsey said, While I think it would be unfair to think of the people employed in credit card companies as "snakes", I think that consumers would do well to think of credit cards as something that can bite them.
“So, if you don’t like it, don’t sign the contract.”
Well, when you grow up and are old enough to actually get a credit card you’ll understand what an ignorant and asinine answer that was.