This is what happens when the government interferes with capitalism. The markets will only charge what the customer will pay. But when the gov't manipulates the system, the consumer usually loses in the end. This is why cutting taxes and letting the free market work results in creating permanent jobs while the "stimulus" has only created temporary jobs, and not very many at that. Consumers will be so much worse off when the credit card bill goes into effect that the gov't will probably try another "fix" to really mess things up.