What the hell is with Capital One?

haha, no..I dont own a cc company, heck I bet they hate me cause I ALWAYS pay it off in full I just took out 12k in cash from my Citi bank cards cause it was 0% till Oct'06 with no transaction fees. I just put it into the bank to make me interest , when Sept rolls around Ill pay it all back.....ya they must love me lol.

I do agree some with giving credit to a small amount of people that cant control themselves. Someone who makes 20k a year and is in dept shouldnt be given more credit, let alone anything over maybe even 10k, then both are to blame.
Ive heard that the average household has around 8k in cc debt, so I doubt the majority of them are capabile of paying it off every month, and every year that number gets higher...stupid people that keep spending and stupid cc companies that keep letting them spend more till they file bankruptcy dont mix. But now those people have to pay it with the new bankruptcy rules, so I guess people will just have to be smarter from now on.....and take personal responsibility

My best advice, dont carry a balance, even at low APR, and if an emergency occurs only take out a small amount that can easily be paid back one way or another. Dont be dumb