“these days”? I take it you weren’t paying attention during the whole “explorative credit” thing? We had to make the consumer financial protection bureau to, amongst other things, make them be a little less shitty? The bureau they’ve been desperately trying to get dismantled because it moderately limits their profits?

Have they ever been better than “kinda bad” at best?

Anyway, I didn’t specifically decry credit issuers. I implied that spammers are shitty, which I stand by and is far from a new sentiment.