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Conversation in another thread leads me to think some of you might find this interesting (no pun intended). It's a PBS Frontline special documentary that's all about credit cards and some of the unethical practices that the issuers use. If you have some time, you should check it out (streaming online).
http://www.pbs.org/wgbh/pages/frontline/shows/credit/view/
http://www.pbs.org/wgbh/pages/frontline/shows/credit/view/