Well, you can blame the credit card companies for raising rates on EVERYONE, regardless of if they have poor account history or not. They didn't have to do that. On the other hand, they are certainly getting their point across about the bill. You know how they say, "Vote with your wallet?" Well the credit card companies are doing just that, only with all of YOUR wallets! Haha.

It's a wonderful tactic and hopefully it will work to get people to pull their heads out and repeal that dumb law.