With all of Obama's new CC regulations I'd be very concerned about the future of the industry. The issuers are going to have to make their money off of those other than those with CC balances and poor credit now. How will they do that? The responsible CC holders who pay off their balances are going to now we gouged by interest accruing from time of purchase and annual fees. That means the good CC holders are going to shred their cards. Less cards = less TSS income. Agree/disagree?