I've resisted doing this, but the idea that banks are now going to try to penalize those who do not carry balances or pay late fees is the last straw. Go withdraw all your money and business from the following institutions: Bank of America, Wells Fargo/Wachovia, Citibank, JP Morgan/Chase…Place your business with a local community bank or credit union in their place, and tell the above four institutions to "piss off." This is a call for a boycott…. Are not 30% credit card interest rates enough, while these four banks all can and do borrow at near-zero from The Fed and have issued debt with an FDIC guarantee (that is, funded by you)? There is no law that says you must patronize firms that engage in practices that you find outrageous or abusive. Indeed, it is your right and duty as an American to withdraw your consent to such practices by telling institutions such as this to go piss up a rope. Tell them to go to hell take your business to your local community bank or credit union. Not only will you send a message, you'll reward those firms that provide you with quality service and a reasonable cost structure, instead of those who appear to use every opportunity to nickel and dime you to death. These institutions, like all businesses, rely on customers in order to survive. Deny them that business and these practices will change, or they will go out of business - as they should.