Ok, I agree that the rates are obnoxious, but didn't Wesley know the terms when he charged $3200 to his cc and then didn't pay it off? I mean, it's not like the banks did anything that wasn't in the cc agreement, or did they? (am I missing something here?) I never had any trouble understanding that if I didn't pay my cc, they would charge me interest. And, if I charged more than my credit limit, or didn't pay on time, they would charge me a fee. I guess I am very lucky that my parents taught me how to use credit. Yes, the terms and rates are bad, but no one is forced to apply for and use a credit card.
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