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I also think that lobbyists should be tightly controlled.At this time they pay dues for protection to a banking association to keep them insulated from the laws that protect the consumers of thier product. Chrissy Strawn Portland, OR Dear FRONTLINE, Frontline, Thank you for exploring some of the hidden facts the banks don't want the consumer to see.If I choose to make a deal with the devil, I know that I'm getting involved in Dave Sucsy Lubbock, Texas Dear FRONTLINE, I am about to receive my "first (secured) credit card". Now at 46 years old, I have learned that I am not the best manager of my money.So my partner will help me to control my use of the card.

I complained that MBNA put in a 24 hour extra delay in crediting Internet payments, something no other credit card company did for a weekday Internet payment before PM. How can any credit card holder expect due process from a Federal agency that acts as a paid adjunct of the banking companies it regulates, in possible violation of the Tumey decision (the later Dugan decision restricted the findings in Tumey v. The answer is you don't get due process from the OCC, just lies from their friendly white-haired PR spokesperson.

The biggest issue revealed in this story is the complicity of the federal government in allowing abusive practices by credit card issuers, including the failure of the OCC (Office of Comptroller of Currency) to prohibit unfair practices and the willingness of Congress to pass legislation which benefits card issuers.

When I saw Eliot Spitzer being interviewed, it made me wonder if the card issuers and the federal government were somehow involved in the disclosure of his visits with prostitutes.

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Dear FRONTLINE, I just watched 'Secrets of the Credit Card Industry' for the first time. I have had a number of bad experiences with credit cards over the past 20 years and am now striving to pay off all my revolving debt.

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