FTC Nothing to me but they screw you by protecting the banking industry who steal your money Nationwide

I have been researching this industry for 25 years and so trust me on what I report ok?

Why don't you make comments on topics you know about because you are 100% wrong! And if you don't believe me read (Debt cures they don't want you to know about by kevin trudeau) (www.amazon.com)

Nobody forces you into ANY credit card or banking relationship.  It's up to YOU to read the Terms and Conditions first, then make the decision if you want to be bound by those TC's.  Of course, there are thousands of dummies who will sign without reading and then whine and wail after the fact when they can avoided it in the first place! 

Sounds like you got involved with a subprime credit card - also known as a 'fee harvester' type card. Yes, those credit cards have tons of fees. They are directed at people that do not understand credit and can not handle credit. They are also meant to be short term solutions until you get your credit to a score that is acceptable to a normal unsecured credit card issuing company.

The FTC does not encourage or discourage fee harvester type cards.

I am not defending those types of cards. I am defending the marketplace that allows us as consumers a wide array of credit products from which to choose. It is up to you as a consumer to research your options first and then make your choice.