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The credit card companies, according to the article, pull a little underhandedness on the cardholders.

They're banks! What do you expect?

Devise a regulation to nullify a scam, and scammers will simply devise a new scam. Remember usury laws?

The bottom line is that if you insist on spending money you don't have you are at the mercy of the people who do have it. Thus it was, and thus it always shall be.

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