Credit card companies are evil

WARNING: RANT TO FOLLOW

I have this credit card that I never use, but I must have authorized an automatic expenditure for a magazine once upon a time and it hits again for $24. I don't notice the bill so I don't pay the bill, get a $39 late fee, which is usury. Make a payment for what I THINK will cover the next payment, but find that was $8 short. So, on October 13, they're going to charge ne $39 AGAIN for a bill that is $8 short of the minimum payment. So at 10 pm on October 12, I ask to pay from my checking account (it's a $15 charge, but it's not $39), and they tell me it won't be credited until October 13, thus incurring the $39 charge I'm trying to avoid. She says, "There's nothing I can do." So, I said, "Never mind. I want to cancel my card." She says, "You'll have to call back." I said, "I don't WANT to call back, I want to cancel my card!" She talked with her supervisor and discovered, "Why, yes, we CAN post that payment on today's date."

I may have mentioned this before, but when you do one of those check transfers that offer you a great rate, credit card companies have been known to change (i.e., hike) the rate on your credit card because of late payments on your mortgage, loans or other credit cards.
Did I mention that credit card companies are evil?

As the credit card company protection bills get passed, including the tougher bankruptcy laws that kick in soon, I gotta wonder: Are they TRYING to put Americans in eternal debt? The notion that all of the indebtedness is merely a function of personal irresponsibility just doesn't wash with me.