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POPSCredit Card Buyer Beware Amazing how some people don't understand that one very good, and much needed job of the government is to establish laws that protect us from this sort of greedy corporate practice. Too many people just keep repeating that same old Reagan quote.....the best government is a small government, or something like that..... as if all these corporate entities are going to do what is best for us. They think that when it comes to money, the banks are going to do something that will lessen their profits. How stupid!