America is in poverty city and if it wasn't for bank credit cards and phony money that never needs to be paid back, america would be in the greatest recession in history. Expect banks to be a bit more picky on who they hand plastic to going forward. american's walk away from credit cards every day by the millions. true, you can rack your plastic up to the hilt and then just give your bank the finger. so what if your credit gets whacked for a couple years, you just start over with either a bankruptsy or just rebuild your credit with new cards from banks that are intended just for rebuilding your credit. expect this game to soon change and the banks are wising up to this game.