are you kidding? Banks and credit card companies are the enemy of the public and consumer in general. The bs that they pull would get you arrested in different circumstances. If racetracks suddenly jacked the takeout 20% after you hit a $1000000 pick six is something that a credit card company can and would do. Currently I am battling with Amex which refuses to give me credit for a $4000 payment I made to them. I have the cashed check, their bank account number, my bank has verification that they received the money yet they refuse to credit my account. And it is close to impossible tp even get a person who speaks English and has an IQ higher than 12 to speak to you.