Are Banks abusing us taking bailouts while they raise credit card rates?

To Those Government officials that Think and Listen,

Given the current economic circumstances where the US taxpayers are "bailing out" Banks and other private companies in distress the question arises daily.

What are they doing for me the consumer?

The answer always focuses on saving jobs.

Currently many Banks are raising rates on credit card balances for relatively small indiscretions such as one slow payment to large percentages that by any moral standard are indeed Usury.

Here in Georgia by one website over 50\% of people have credit cards with rates above 25\% apr. This is Outrageous if true. Time for all of this to change.
http://www.usurylaw.com/state/georgia.php

These are the people like Citi WE THE PEOPLE are bailing out to the tune of hundreds of millions to many billions (totalling trillions) of dollars.

Before any more "Bailout's" occur these rules need to be changed. People do need to be held accountable for paying back money borrowed however current laws allow the "rules of the game" to be changed in many unfair ways by these same banks WE THE PEOPLE are saving from bankruptcy.

I for one will be voting in a non-partisan way in all elections in the future to help promote fair change for WE THE PEOPLE. I would like to hear directly from any elected official running for office regarding this specific issue and how exactly they will be affecting change to the current banking laws that have allowed these unfair practices by banks and lending institutions to continue at a time when WE THE PEOPLE are paying the Bill for these "Bailouts"

Don Campbell