Should universal default be illegal?

[Ban my account ffs!]

And don't apply for cards and get them just to charge on it once in order to save money or whatever.  That doesn't look good on your credit report.

A good rule of thumb when making a credit purchase is to ask yourself "could I write a check for this?".. if you can't pay for it with cash, don't charge it.  And never put gas or groceries on a credit card.