I know that this did not start yesterday but I fell that we as Americans have an obligation to stand up to the Banks and credit card companies. I see my self as a Republican but I do not agree with the way Republicans handle things in the House and Senate. Most recently the laws that were passed against credit card fees. This legislation was done for show! It made no difference and helped no one but them! In the end it is or responsibility to keep track of our money and which institution we use to handle it. There are alot of trick these companies use to make you do things you would not agree to do, you need to keep track of your balances, get rid of credit cards, and be more disciplined ( I mean withdraw money in bulk instead of using your debit cards). The reason we are in the trouble we are in is because as a country we have became lazy and let the banks and the Government control when and how we do things.