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Now you know I have to disagree on being crooked. I think there are some shady practices sometimes but you are already seeing changes from some companies in the industry.
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When dogs and dead people are being pre-approved for credit cards - there is a problem. Their marketing tactics are ruining people. I know people can choose to take and use CCs and all of that, but still, I think these CC companies know that they are ruining people financially for profit. I think they prey on the ignorant. And their collection practices are absolutely crooked. They won't close the account when you tell them to. They'll tell your wife she shouldn't stay with a man who can't keep up with his bill..etc.
That's where I get off calling them crooked
(and low-lifes).