Irresponsibility on the part of the borrower is the problem. Rotating payments, spending beyond available means, etc. If the individual wouldn't do those things, then all of this would be irrelevant. My practice has been to use credit cards as a convenience and pay in full each month [[therefore not spending more than I can pay out month to month). No interest, no cancellations, no damage to credit ratings...etc. Blaming it on the lender is a misplacement of said blame and a dead end as far as resolving your problem.