Also....they will never offer me a lower interest rate if i say im going somewhere else. They dont care about that because they are all in the same boat man dont you see? They all share the same reserves that increase by 10% plus the amount of the loan you take out or credit you apply for. They all profit pretty much equally in that sense....the fed reserve act set up a banking cartel at the expense of the us citizens. Income taxes are paid into this system of fraud as well so doesnt that piss you off?