Shared risk

The Federal Reserve on Wednesday proposed strict limits on penalty fees and other charges that credit card companies can slap on customers for missteps such as late payments or going over credit limits.

http://www.usatoday.com/money/perfi/credit/2010-03-03-fed-credit-card-reforms_N.htm

These are nice, progressive, charitable, fair sounding provisions.

But, you should realize that those who pay what they owe on time will now pay higher fees, if they now are in the same risk pool as debtors with bad credit histories.