[rationalbeats]

Well the credit card example is not new. I remember reading, in the NYTimes, about several people who had their credit limits reduced significantly after the 2008 crash, and the reasoning they were told was the type of places they used their credit cards, and usually it had to do with certain bars in certain neighborhoods where many others who used those establishments defaulted on their credit card bills. I believe the other method employed by these banks were to increase the minimum payment substantially as well.

This article does not really reveal anything that has not been already well documented, and most likely on the NYTImes.