Credit card companies are getting antsy. Always pay mine off in full every month. Never payed interest. USPS ****ed me, made my payment late. Had this one card probably 20 years, never a late pay before, they hit me with a late fee of $35.00 and jumped me to a 29.9% interest rate. I’ll just give it a month without use to reset so I don’t accrue interest, then I’ll put every nickel and dime purchase I make on it.There's your next economic crash, it won't be housing. Just wait until those start defaulting. About 6 months ago my attorney said he and a number of his colleagues are shifting their practices to focus primarily on bankruptcy as thats been starting to trend higher.