Maybe it is because despite being bailed out, the credit card companies are jacking interest to usery levels and cancelling cards on people.
After 25 years on my card, Citi decided to cut off my card because I was not using it enough at their 30% interest. So long Citi.
I noticed that as I was shopping. I was standing in a long line in a packed mall in Bangor Maine and noticed no one used their cards only cash. It really surprised me. I think that is a good thing. It means the Americans are wising up. It was so noticable that I made a comment at a family gathering.
I anticipate this shortly, myself. Cry me a river... < /s>