Greetings, I've been with the same credit card company for more than 15 years. In that time, I've never once had a late payment or breached my credit limit or even have a payment declined. I joined a retail bank two years ago with whom I had a cryptocurrency dispute. They then went ahead to block my account in the normal anti-crypto fashion. As a result, the most recent payment I made which had eaten a little into the minus, then became an 'un-arranged' overdraft. Not only did they then start charging me for it, they also put a mark on my credit rating. As a result, my credit card company cut my credit limit in half and blocked all other services. So basically a company two whom I'd been "perfect" severed our good relationship based on something another unrelated bank said. Moral of the story, **the banks don't care about you.** They care about their little network system they have set up to 'fight fraud' (or whatever). Your personal relationship with a bank manager means nothing in the big scheme of things. **The banks are united against you to maintain power.** It's more important now than ever to take some of this power back. It's our money, not theirs. Crypto is the hope, of course, but we're still a little behind when it comes to interfacing with the real world. I think this year 2021 is going to see a major disruption of the bank's central business model. I suspect they know this, which is why they're scrambling for relevance in the crypto space. I for one have phased out most of my associations with traditional banks. I have just two left; the credit card (which is on its way out), and the retail bank for handling government business (taxes and whatnot). It's only a matter of time before I'm rid of both. Peace & Love, *Adé*

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