Reply #7: Yes we know, many of you are too wise to ever need/use credit cards

[Phoebe Loosinhouse]

And you always pay the balance in full every month and fly around the world for free on your frequent flyer miles and put in the bank for mad money all the interest you didn't pay to fund your grandkids education and buy third world goats for Christmas gifts.

We get it! You're smart and everyone else is just dumb.

Perhaps some of the poor dumb idiots HAD to use their cards to tide them over in times of illness and/or job loss and would like some protection from becoming carrion for the usurous, predatory banking industry.