Credit card companies out of control!

When will someone step in and start slapping the hands of the credit card companies that have yet to take their hand out of the cookie jar? How can they continue to get away with the ridiculously high interest rates, late fees, annual fees and over the limit fees? Many consumers are in a place right now where they need the credit card companies to act responsibly and start helping consumers get through this economy. I myself have called my credit card companies to ask them to lower my interest rates so I can lower some monthly payments right now. Instead of helping consumers so they can continue to make payments, they punish them by increasing fees and interest rates. How does this make sense? If someone is already having problems making a monthly payment how does it help to do nothing or increase their payment? If credit card companies were smart they would start lowering the interest rates, give consumers a month or two of no payments and work out a payment plan that works for the consumer. Isn't is better to get paid in the long run in full rather than not get paid at all? This is a premium opportunity for a few credit card companies to rise to the occasion and be the hero. It would be nice to see a credit card company separate them selves from the pack and have the guts to step forward and say "We are putting our clients first." Let's see if any of the companies out there have the guts to be innovative and rise above the vulture mentality of most credit card companies!