Gee, and they wonder why people go bankrupt

Let me get this straight. If a credit card company is afraid that you are a risk, they raise your interest rates to the point where they are borderline usury! Amazing. Think of the logic. You owe us money. We are afraid you are not going to pay the money back. Therefore, we will make it ever HARDER to pay it back. I told my friend to just close his accounts. That freezes the rates where they are. It is not a solution to debt, but it prevents usury.