This is a great and informative post. I commend Credit Card Assist for pointing out the way many American consumers are using credit more intelligently than they may have in the past. The way we will turn this economic cycle around is by making prudent decisions about how we save and spend our money. Cheers!
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"The Lanes said they're deciding between paying the new minimum on their Chase card, or paying for surgery Jeanne needs next month and supporting Chuck's son in college."

Sounds like a perfect reason to shop around for a term-loan to pay out their Chase card.

Side note: Capital 1 last month decided to raise my 9.9% rate up to 14.9%. Although it's not the end of the world for me, I must admit I was tempted to simply stick it to them out of mutual respect - I've NEVER been in the dogbox with them before, so... Anyway... if they do these random increases with enough people, then my guess is a good portion of that bunch may just unite and revolt in protest. ... Whether right or wrong is simply morally arguable after such a kick in the pants.

I saw that... one guy had his payments jacked up to $850 from $250... and he had good credit.... it wasn't all interest either... they want more principal so that individuals pay down their debt faster...
What it is actually is that the credit card carriers are becoming more risk averse and want their principal back faster.. That must be a historical first.

http://www.cnn.com/2009/POLITICS/10/09/credit.card.outrage/index.html