This is a good start, but I think structured information would be a huge help here. The government should require firms to register common things like interest

This is a good start, but I think structured information would be a huge help here. The government should require firms to register common things like interest rates and other conditions. Then you could search carriers and identify who actually fits you best. Better yet, maybe this opens up an opportunity for someone to do it on their own? Hook up a Bayesian net to it, add in some heuristic parsing code, and hand classify some information and you have a credit card terms search engine.