[BAGAGT1]

While some of the CC's marketing practices are definitely predatory, ultimately, the responsibility lies with the borrower. I do hope that the financial service firms get their act together sometime soon, there is a lot of abuse of consumer in the whole sector. In an ideal world your bankers, loan officers, insurance agents, mortgage brokers, and stock brokers would try to sell you products and services that would really benefit you rather than pushing products based on the commisions and exhorbant fees they can generate.