Reply #114: Free reign? Loan sharkers don't give free reign and neither do the credit card companies.

[Raineyb]

No one tells the credit card companies that they have to give people unlimited access to funds and in fact they don't. I hear a lot of talk about the poor put upon banks but no one seems to have boo to say about how irresponsibly the banks are behaving when they deliberately offer lines of credit to people they know damn well shouldn't have it then wait until they get overdrawn then hit them for more fees as though the extra money were going to appear from where I don't know. Oh that's right because when the banks do it it's called a business plan.

And considering the number of people who are incarcerated for loan sharking I'd say that apparently it's usury only exists for those who don't call themselves thief, Inc.