Dear Credit Card Companies: I can hurt you, too.

CapitalOne's customer service has been useless ever since I had a fraudulent $330 charge on my account and then got charged over $60 in fees and charges and lost 600 frequent flyer miles because of a payment that posted 16 minutes "late" on the due date. So I've diverted well over $2000 in purchases to my AMEX in the last month alone. Until someone over in Calcutta competently removes the fees from my account and reinstates my miles, I will not use my CapitalOne card. For companies that don't accept AMEX, I'm using debit or cash.

Mmmm...Debt.

Sallie Mae, which owns your student debt, is now owned by someone else. Actually, two gigantic banks and two investment trusts. Your debt has made Sallie Mae worth $25B.