In other words, people in the credit class of FICO 800 or better should not see any additional increase in their interest rate, while less credit-worthy people who in the past were charged more hidden fees, will see an increase in interest rate to recoup the lost revenue needed to justify lending at that class of risk.
If there is currently an overall upward trend in the cost of having/using a credit card, this would be attributable to something entirely different, say a smaller overall pool of lendable capital due to a weaker economy, or maybe a regulatory change that did impact the risk of lending, bankruptcy reform for example...
As a programmer, is it a fair use of company time to be keeping up with hacker news? HN can be a great source of inspiration, and there is no doubt in my mind that keeping up with latest trends can make you a better programmer, but obviously a lot of the content isn't directly work-related. Even if most of what you are reading is directly work-related, is it fair to be keeping up on company...