I’m not sure which credit card company you worked for, but I can assure I have no sympathy for the type of company you worked for. In fact, on the bad credit balance transfers page of this website, I don’t list these type of credit cards-I provide consumers reasons not to get them.

As to whining about credit card companies, I guess my position could be interpreted that way as perhaps my point was unclear. Essentially, I believe that credit card companies will find ways to make the money the new laws take from them by charging good customers more and freezing credit from consumers with average and below average credit.

I don’t think the credit card companies are benevolent friends. I think they are businesses that need models to control risk while giving consumers access to credit. Some of the actions of certain credit card companies have been downright evil. But new credit card laws have only made that worse, and what I am most concerned about is the price we will all be paying to make these companies profitable, not the fact that the poor credit card companies are losing money. Believe me, they need to make money or else none of us will have access to credit. Is that what you’d prefer?