Resrict the amount of interest paid in any situation when using a credit card or credit lines.

Is it fair to have your interest rate jacked up because you have been late a few times or more? What's even more despicable the lender will raise your rate even though you were never late but because you were late on another company! Excuse ME! THEN they want to report it to the credit bureau And still charge you a late fee! Those companies are out of control. They forget that if it wasn't for us THEY would not have a Job!