CHESSNOID

In this economy if you have bad credit you won’t be able to get a credit card. However, you need credit cards every so often. That is when a secured credit card will come in handy. The problem is getting one that is affordable.
I saw this from bankrate and thought these 10 [...]

So the economy is in an unofficial recession and there is no credit card bailout coming from the government. This means that people who can’t pay their bills and have defaulted on the credit accounts now have bad credit. Bad credit will stay on your credit report for 7 years until the date [...]

Many creditors have their collection agents violate the FDCPA all the time.  That includes all the big companies.  Here is an example of the actions they took against this consumer.
Collections:

A woman saying she was harassed by Capital One for a disputed $4,000 credit card debt has filed suit after the bank demanded more than $ [...]

The credit card companies are at war with consumers.  They have taken preemptive action to keep its profits from turning to losses.  The credit card companies have rushed to change all fixed rate cards to variable rates to basically expose a loophole in the new laws passed.
The Latest Credit-Card Tricks
Under the new rules, companies [...]