[Perfectlap]

^ Credit Unions should be the first place you go to for any manner of credit or loan. Think of the Bank of Americas, Wachovias, Wamus, Citis, Chase Banks as a total utter last resort FOR ANYTHING. and nevermind the banks you never heard of ..
The "fine print" tactics that the major banks engage in where they can increase your rate at any time for any reason, like if you payed your light bill late! Guess what you signed off on it when you put your John Hanckock on the dotted line. These banks just took a bath on the mortgage debacle and the next crisis is the credit card biz which is next logical the Banks will look to recoup there losses. That's bad news for credit card borrowers.