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http://www.pewtrusts.org/uploadedFiles/wwwpewtrustsorg/Reports/Credit_Cards/Pew_Credit_Cards_Oct09_F...
One hundred percent of credit cards from
the largest 12 banks used practices deemed
“unfair or deceptive” under Federal Reserve
guidelines. None of these bank issued cards
would meet the requirements of the Credit
CARD Act of 2009.
Credit unions offered significantly lower
advertised rates compared to bank credit
cards, with penalty fees that were half the
cost of comparable bank fees and fewer
dangers associated with “unfair or
deceptive” practices.