Until the credit card company sends you a notice stating you have 40 days to close your account and pay off your account or your interest sky rockets to 30%. It's called a "change in terms" and they can send them out any time for no reason and they go out in the thousands.

Or someone gets a hold of your card and maxes out your balance then you have to fight with fraud to remove it, which they don't always do, and then your monthly payments are too much to afford so you go on a payment plan to lower your monthly payment, which we tell you isn't going to hurt your credit, but it actually ruins it because it's being reported as past due every month to the credit unions.

Or you call into customer service and you unknowingly agree to a "credit protector" service which charges you monthly. They tell you it's a free trial, you say 'fine' assuming after it's run it's course, it's gone, but no, if you don't cancel it in a certain time it starts charging you and we can't refund those charges because it's a third party company we've just given all your information to and they refuse to refund.

There's all kind of stupid little shit they do that can mess you up intentionally, but even mistakes can go unfixed even if they were our fault. We had a 'bank error' and that payment plan that was helping you while you're on unemployment because the economy crashed is now cancelled? Sorry, you're shit out of luck. Perhaps you've gotten lucky. And it's true, a lot of people shouldn't get cards because they have no self control, but in my line of work I saw so many good, innocent people get royally fucked, even after years of perfect payment history and credit.