They were right!
Explosion of credit cards with interest rates as high as 50% target middle-class borrowers with patchy credit scores
http://www.dailymail.co.uk/money/cardsloans/article-2191927/Explosion-credit-cards-rates-high-50.html#ixzz24O89RYoN
OK, time to alienate everyone I haven't already alienated.
I am going on 51, AND I HAVE NEVER HAD A FOOKING CREDIT CARD IN MY LIFE, AS I SAID BEFORE SEVERAL TIMES! I HAVE ALSO HAD FEWER PROBLEMS, AND PAID A HELL OF A LOT LESS FOR EVERYTHING, LIKE LIST PRICE SANS INTEREST! DO YOU HAVE ANY IDEA HOW STUPID I THINK IT IS TO GET A DAMN CREDIT CARD?
WELL IT'S SO EXTREME, I DON'T KNOW EITHER!!!!!!!!!!