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Betsy, There's no figuring it out. A few years ago I got a Lowes credit card in the mail so I activated it cause I had some work needing to be done on my house. I used it once. Then since I was driving a civic. I bought a small pickup to haul the stuff in. The next time (a couple days later) I...

None of this is new to the current economic crisis, been going on for years. I got wise to Bank of America about 7 years ago, for all the reasons stated above. I switched to a local credit union, and love them. They take care of their customers like to "good old days". Still all these years...