They are generally just as accessible to people, just at a higher APR. Certain states passed predatory lending laws a long time ago but the US federal governme

They are generally just as accessible to people, just at a higher APR. Certain states passed predatory lending laws a long time ago but the US federal government smacked them down. There's a reason why all the national credit card companies have their headquarters in the same couple of states. Beyond that, credit cards can adjust the APR on existing balances.