Vile scum with no redeeming value
When I was unemployed, I still paid all my credit card accounts on time. However, some months I got some cash advances in order to eat (i.e., my total borrowing increased)...still never late, though. These jackasses hiked my interest rate to the default level because they didn't like my debt ratio and won't bring it back down again (in spite of having been in a six figure job the last 4 years and still being current on everything). I wouldn't call any of them an ambulance if I saw them mangled in an auto accident. Total SCUM.