On Credit Cards ...

Usually credit card issuers are generous to consumers with high credit
scores. If you have high score, you may negotiate with creditors for better
rates. If your credit score is not high enough now to get better rates, you
may continue to pay your bills consistently, bide your time, and ask again
after your credit rating has improved.

Your local Credit unions may often offer charge cards with favorable
terms.To see whether you're eligible to join any credit unions, visit
the Credit Union National Association.

If you have a complaint against a credit-card issuer, you may contact your
state attorney general. Visit the website of National Association of
Attorneys General to locate your state attorney general. You may also
complain to the Office of the Comptroller of the Currency (OCC).
Visit OCC's consumer page.