Picking the right credit card (or better not picking a card)

I am reading this and summarizing everything in one sentence: Get only credit union cards. Apparently all the big ones are ripping off people. Note that this article highlights the "triggers" to fees and higher rates which I mentioned in my other posts. Firts you get a 0% transfer everything to me offer, then they decide that you have too much credit, then apply the "default" interest of 29.99%...

Yet people still deal with these sharks and are expected to feel guilty about their usage of the card. I will not forget how "little" I felt at times when dealing with my Chase card and their fine 29.99% rate. They pretty much want you to feel like a loser and that they did you a favor for offering you credit at that rate...