[CutePuppy]

Paying $72 (+ other selected fees) for formerly free card is hardly a "competition," but in the world of government-controlled "safe" credit, I suppose it will pass for one.

I don’t remember Congress capping % rates on credit cards

No worries, Elizabeth Warren, new "consumer protection" czar, had the credit card industry and its "usurious" interest rates and fees in her sights for a long time. She'll make sure that they will also be "safe" from bankers' abuse, and everyone will cheer new government-created opportunity for "competition".

[Razzz42]

Not so funny how the government herds the sheep but focus on Congress, they can override the president on many if not all issues if the right people are voted in, it’s are only hope.

To Arco gas stations, check for an Arco debit card that links to whatever account you want it to. It’s usually advertised on the pump in a pocket brochure. Use their card (linked to one of your bank accounts) and the $.45 fee is waived. Afraid it is used as another tracking device? Pay cash.