The conversation between human and AI assistant.
Why aren't  credit cards regulated?
Are there any other potential drawbacks to credit cards that aren't regulated?
Yes, there are. One issue is that credit card companies can change interest rates or fees at any time, as long as they provide notice. This can make it difficult for consumers to plan and manage their finances. Additionally, credit card companies may offer low introductory rates that later increase significantly, which can lead to consumer debt.