How many of you have credit cards out there? How many of you have balances on them? How many of your cards are promotional rates and deferred interest? How many of you are making minimum payments on these cards? Well, how many of you have received letters stating your interest rate is increasing and if you don’t accept it your card gets locked for a year. If you have responded to these questions then I ask 1 more? How many of you think these banks are corrupt? End of story