Do you agree that credit card companies are greedy evil you-know-whats?

I own to disagree. They provide a service, if you do not like their vocabulary & conditions, you don't have to apply for their credit card. Heck, you don't hold to apply for any credit card, if you believe so strongly they are evil.

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Answers:
Yes, of course. All lenders are pretty much.

Yes. That's why you have to be on your toes making sure that you don't contribute them any reason to find any more money out of you than they deserve.