Beware of ARBITRATION agreements
Before you agree to the credit car company's--or any other company's--demands to accept binding arbitration clauses, go to http://www.consumerreports.org/main/detail.jsp?CONTENT%3C%3Ecnt_id=19279&FOLDER%3C%3Efolder_id=18151&bmUID=1002643197461 and read about arbitration.
Some credit cards are now sending customers a notice that they must accept binding arbitration in case of a dispute. This takes away your right to a trial, and the results of it are not public record, which makes it very easy for companies to hide the trail of unhappy customers. Many times, the arbitrator is PICKED by the company and hardly neutral! And some binding arbitration agreements forbid you to even TALK about your case afterwards, which is a violation of your right to free speech. Again, this makes it very easy to hide ripped off customers. Usually, there is also no appealing the decision, either.
Be sure you understand fully and don't just accept that agreement if you don't know what you're getting into or don't agree with it.
Two more sites that have info on arbitration, though they are not wholly about arbitration, are http://www.hadd.com and http://www.hobb.org. Those last two are in regards to housing, but the binding arbitration trap is about the same thing regardless of what company it's for.
Don't get sucked into this legal agreement which takes away your constitutional rights and hides people's complaints from the public to protect companies!