If you do not like the terms of your loan don't borrow the money. Citizens of this country are to irresponsible to use credit cards. They need to outlaw them as it is obvious citizens are not capable of using one responsibly. Anyone who uses a credit card for anything except emergencies or very small amounts is a fool. Some people need to be on a cash only basis. People use credit cards like free money. I agree minors should not get credit cards. I'm not for sure they can by themselves however. If our parents could make it through the Great Depression without all the so called free money anyone today should be able to control themselves. But apparently they can not. Some people sound like children
My favorite sign at the cash register - In God we Trust, all others pay in cash.
I do not disagree with any of that.
Still, the revised bankruptcy laws were rewritten to protect lenders who make poor decisions and who ran to the Congress whining like children.