I still have the same credit card from 2000 back when credit was cheap and interest rates were low and I got offered a credit card with a 7.99% APR. Not that I use it much, but it's nice to know I have a credit line that's almost cheap enough to finance buying a car, or to borrow money to invest in the stock market. So a couple weeks ago, for no apparent reason, they tell me they are doubling my APR to 17%, and if I don't like it, they will cancel the card.
Thanks Congress. Since Congress made it much harder to increase APR in the event of missed payments, the credit card companies reasonably responded by pre-emptively raising APRs on everybody including me.
Stupid populist policies and stupid populist NY Times who thinks this is a good thing. Last time I checked, price discrimination was welfare enhancing, but I guess it doesn't feel fair.