Quote Originally Posted by imbosile View Post
Nobody ever held a gun to your head and made you sign up for a credit card. They are offering a service. If you don't like the terms then don't sign the contract.

and nobody made them offer you a contract, which is only worth the paper it's written on. They are making a gamble on your ability and "willingness" to pay them back. If you refuse or and unable to do so then they themselves "bet on a bad pony" so to speak. They took the risk and sometimes it doesn't work out in their favor.