While credit granters are evaluating the addition of new fees, consumers could be evaluating which financial institutions offer what is needed and used. FICO is just an evaluation company used by credit granters. Those scores are only valuable if you plan a major loan or mortgage or drastic financial change and their data can be challenged!
We use several CC from different institutions if we wish to extend the free credit period by timing a purchase according to cut offs for billing dates. Alternatively, I ask if the seller will discount his asking price for cash since they pay up to 4% per transaction to CC companies.
Frankly, having read about bankers and their shenanigans over the past few years, the less I use their services, the better I feel. I wouldn't use loan sharks either. Upping interest rates on old CC balances is trapping people in a debt quagmire like Payday Loans or movie versions of 'Mafia.'
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