Late fees, punitive interest rates, over-limit fees, loading up your credit report with negative information -- it's enough to make you scream!

It's not that your creditors are doing anything illegal. You just didn't understand the power you gave them when you accepted that card. It was buried in the fine print. Now it seems like they're staying up nights looking for new ways to stick it to you.

If you've had enough, maybe it's time for you to turn the tables and get back at them.