[930LDR]

Just pay your credit card off every month and it won't be a problem.

Quite honestly, those that carry balances that they can't pay off every month represent a credit risk. Not to say that this applies to every body that has an outstanding balance, but there are plenty that have been living well above their means on credit for way too long.

Lenders have a right to be compensated for the increased risk as the market is in decline and those cash flows are put at greater risk. All that said, there is definitely a line that many of these lenders have crossed where they are being just plain unreasonable.