Thank you for the suggestions. I will try for increasing the USAA card.
I agree that people are not forced to sign on the dotted line. I don't think the individual banks enslave people. The fractional reserve banking system enslaves people. Every time the Federal Reserve Bank expands the money supply to prop up the inefficiencies in the market place they steal from everyone that is forced to make transactions and hold savings in US dollars which is a large portion of the world and every law abiding US citizen. Just some crazy talk for most people.
