"From a common-sense standpoint, you're probably on the right road. The problem is, you're opening a can of worms you might not be able to shut. That might cause more problems than it solves."

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I believe that what works for the consumer is to be able to determine what they can pay -- even if it is nothing. (Just joking.) Unfortunately, so many depend on credit for living expenses, and the lower payments helped them in the immediate term. I am OK with that. For those who want their minimum to be more, you don't have to wait on your credit issuer to increase the payment -- do it on your own. For others, at this time, I think it's a horrible idea.

— Trina