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So it is not difficult to see why it is in the banks interest to keep you in debt. They even make money off of all the advertising they stuff in your bill every month or the ads that appear on the web page whenever you log into your account. As long as we owe, they can do those things. I remember when I was in graduate school and my income was small. My bank encouraged me a live large. On two occassions when my credit card reached its limit my bank charged me an over limit fee and then unilaterally, without any request from me, raised my credit limit. Two months after that, they also raised my interest rate. It’s a nice gig, no? I was angry about that, but what could I do? No other credit card issuer would give me a card because I had a credit line beyond my income. And I owed more than I could pay off, so I couldn’t simply leave. When my father was growning up he used to tell me about people like this. They were called loan sharks. The difference between them and the credit card issuers is just that the credit cards are legal and can’t do you bodily harm! ]]>