I can’t blame the credit card issuers for trying to get back into your wallet. That’s what they do for a living – get people to use credit cards. They assess risk and make decisions accordingly.

Banks are not your parents, nor are they your caretakers. It’s no more proper to rail against their choice of potential customers than it is to get angry about the fact that Bank of America advertises in magazines read by people with bad credit.

It is your responsibility to make an intelligent decision about whether to get a credit card.
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