Twice this week I have gotten solicitations in the mail from local banks promising lower interest rates if I apply for a new credit card at their bank. Well of course that is pretty common practice except:
I already have credit cards with each of these banks. So why don't you just lower the damn interest rates on my current accounts and be done with it? I certainly don't need another credit card.
The rules around banking and credit cards have just gotten too wild west for anyone's good. And for that matter it's time to put reasonable caps on credit card interest fees.
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