Reply #114: I work with Remittance (payment) processing and can tell you...

[ReformedChris]

that credit card companies will jump on the first mistake or situation to trample the consumer. Is it a person's fault if they develop bad credit, yes, but the card companies are throwing people in a cave and not giving them a way out. Its pure exploitation in the end. We need to educate and properly instruct people on how credit works. We ALSO need legislation to prevent credit scores from being used for life essentials (apartment housing, electricity, water) and employment (what does my credit score have to do with my employment qualifications!?!??!).