Fish tailing

I just got on a bus and the very back is slipping and sliding all over the place - fish tailing. Kind of disconcerting considering we're going to be heading down a steep incline in about 5 minutes.

So far my area's gotten about 3 inches of snow. Apparently, we're supposed to be getting 8-10 inches.

And we have no food in the house.

Credit card question

Have you ever heard of a credit card reducing your limit when you were late for a payment so that the credit card company could charge you not only late fees, but also over limit charges to the tune of $40 a month??? I had never heard of such a thing (and how could that be legal?!) Until a buddy of mine and I were talking of going shopping. He and his partner won't step foot in Macy's because of the credit card issue. Although this conversation was primarily about the Macy's credit card, he mentioned that Bank of America (which originally was Bank of Italy, supposedly) has done similar things.

I find that kind of business model flawed and anti-customer, especially in the new world of no personal bankruptcy. Your thoughts?