Yep, I would agree with the statement in this video that "Heads means Credit Card companies win and Tails means the Consumer loses". The argument from these credit card crooks is that we can shop elsewhere...yeah right! Extreme interest rates, raising minimum payments, and lowering limits that negatively impact FICO scores are the growing trends and industry standards. How much longer are we to sit by and take this kick in the teeth for being "Good Credit Customers"?? Grrr... The motivation to budget, save and payoff all debt continues.