1. You are a shill for the industry - and I have written about this before. Companies groom their image on the Internet by trolling postings and trying to bait people, or they try to enhance the image of their company or organization by posting online - anonymously of course, or using a fake name.
2. You are being defensive about bad financial behavior, which is a typically human thing to do (don't sweat it, just stop doing it!). On the creditcards.com site, they mention that credit card debt is the one thing people do not like to talk about or admit to, and statistics bear this up. 70% of us claim to pay off their credit cards every month, while the credit industry reports that 70% of us carry a balance. Who's lying (to themselves?).
See how you like it.
Just total fuckin' silence.
Two can play at that game, smart guy.
We'll just see how you like it.
Total ... silence.