Actually, what I read and the notice I recieved from MasterCard, interest rates are going up to close to 30%. I am going to see if our local loan shark issues plastic. I think we can get a better rate. The new law fits with the banking industry smoke and mirror laws that made credit card balances exempt from bankruptcy. This is just another sign of corporate ownership if congress. 30% credit card interest rates, and 30% healt insurance premimums. Do you wonder why the middle class is shrinking?