> They are smart enough to make all their grifts "fees" and "interest rates" > For example, charging 17% on a credit card bill when the interest rate is 5.25%

> They are smart enough to make all their grifts "fees" and "interest rates" > For example, charging 17% on a credit card bill when the interest rate is 5.25% That's not fraud or a financial crime though, since the interest rate is prominently shown on the front page of every credit card bill. If they're telling you it is 6% and then charge you 17% without explanation, that would be fraud.