When the creditors that we were trying to pay off, first hit us with our first rate increase it hit me like a brick.  When all the others did the same, I was like ok this is the game now that my creditors are playing.

I have not used a credit card in over a year, our family has decided to take the opt out option in these instance.  They will continue to stick it to us all till July 2010  till it become illegal for them to do that.

If our interst is what the government had in mind they should have made it law right away.  The creditors have all this time to raise there profits on us.  When this law comes into effect all the slaughter will be over and they will come up on top with bigger profits.