What's the difference between these...

and loan sharks?

Answers:

1. loan sharks don't have logos
2. loan sharks go to jail — sometimes
3. usury is a sin, so loan sharks are going to hell
4. ?

President Obama chided credit card companies for their practices and Congress passed a new law limiting usury.

Whoopie!

But. The law doesn't go into effect for 9 months. Just about the time that the previous regulations are due to go into effect.

So much for tongue lashings. We're still getting screwed.