Well, not long ago npr ran a story on bank charges.
The surprising thing that one analyst presented amounted basically to: Bank lose money on unsecured loans (credit cards), so they have to make up the difference somewhere - and a lot of that is by hitting us with every little extra charge they can dream up.
I would sure like to patronize a bank that chose instead to be choosier about the people to whom they extended unsecured credit - and then acted more civilly and sensibly toward the customers to whom it catered.
