I read this article today about how credit card companies use arbitration to settle disputes. The basic idea is that the credit card company makes you sign an agreement to get the card. The agreement says any disputes will be handled by arbitration rather than in court. Then if something bad happens where your card company thinks you owe money and you disagree, the dispute is sent to their arbitrators for a decision. Their arbitrators get paid a lot of money by the card company and (surprise) they almost always rule in favor of the company. Seems like a bad deal… so why not go get another credit card? Ha! They all have the same bad agreements. Gotta love America!