Reply #9: We got a strange letter from our bank advising us that

[JDPriestly]

it is changing the terms of our credit card. The new terms are draconian. We don't have much money, but we have never carried any amounts over on their cards from one month to the next and we do have savings in the bank that holds our cards -- which exceed the maximum amounts that we have charged. By the way, that bank is giving us less than 1% interest on the savings we have in it (which we have had for years).

Meanwhile this very bank gave huge bonuses to some of its employees last year -- as was widely reported in the news. Where is the justice to the ordinary people when it comes to our financial system?