Get over it folks.  Many people have fallen for 'free lunch' concept of life when it doesn't exist.  The entire credit system has a cost along the way with profit to be made at specific points.  So far the card holder has been led to believe not only is it FREE for them but they will actually make money by using their card.  Those days are coming to an end.  You'll have to pay to play or use cash.  That's life.