[Bob]

It drives me crazy how people will max out their cards, miss payments, etc, and then get mad when the company applies interest or fees.

If you're not one of those people, don't you just want to punch them in the mouth?

If you are one of those people, what the hell makes you think your money problems are anybody's fault but your own? The credit card companies, banks, payday loans, and so on, are not evil. If you don't use them incorrectly or at all, you won't be in this mess. So stop whining about it and admit it's your fault.

[SPIFIMAN1]

I completely agree.

I have said countless times that when people blame the credit card companies for doing exactly what they said they would do if payments were missed, limits were exceeded or payments were late they are totally missing the point.

All of these things are explained in the terms and conditions so if you really want to know who is responsible, look in the mirror.