I think the no-fees is partly a reflection of the reality of what it costs a financier when you are late with a payment and partly a means of standing out in a

I think the no-fees is partly a reflection of the reality of what it costs a financier when you are late with a payment and partly a means of standing out in a field where everyone else is lining up to kick you when you are down. I use the “Don’t Fuck With Paste” browser extension on CapitalOne’s sites more then anyone else’s - why don’t they want me to cut and paste into their web forms? Because the small percentage of typeos that occur due to manual data entry translate into millions in fee income - and of course it’s your fault you got fined because it’s your mistake. Probably the worst industry for this is car rentals - I have often wished Amazon or some disruptive entity would get into car rentals. The entire industry exists to just to shake you down when your at your most vulnerable - far from home, unfamiliar territory, limited options. Is there any reason why they can’t accept an alternate credit card from the one that secured a reservation? No. Is there any reason the slightest change to a reservation requires the previous reservation to be completely destroyed and renogiated at a new price? No. Is there any reason that cash can not be accepted? No. I live in a state that forces the rental car companies to accept cash and they do just fine.