I'm going to have to change credit cards. MBNA is promising all sorts of unpleasant changes to the terms of agreement on the expiration of my current card, and the credit card company has been doing its best to whip-lash me with unpredictable payment dates in a fashion clearly calculated to harvest as many late dates as possible. Since their change of terms includes a tripling of the late fee, I'm starting to think that I can't afford to do business with these people.

Anyone have a favorite credit card company - one that doesn't believe the ambuscade is a legitimate business tactic?