I was going to write a hub in response to this question, but I just wrote it and didn't attach it at all. Has to do with the swipe fees. over a billion dollars a month are charged and go to the credit card companies simply for people using plastic. It is pretty sad and now they are talking about delaying the changes to the laws. And the increase in fees at banks is simply because of greed. They got use to making surplus money - credit and loans are misused horribly and that would be because they are pitched at people so often for every solution. Sound judgement isn't talked about much only how much can you spend.