[dasil003]

I'm a bit torn on this one since things like delaying settlement and changing the order of transactions is just plain shady. Would the executives who made these decisions stick by them if they had to actually deal with the angry customers? I realize it does self-regulate to some extent, but there's always a new generation of young people coming in to take their lumps.

All that said, as an individual you need to look out for yourself. If you overdraft or run CC balances then you are just throwing your money away. I finally put my CC debt to rest last year, and have been able to start saving serious money. I'm never going back, I watch my budget like a hawk now.