Banks still adding to the crisis
Banks getting major benefit of the so many bailouts (our money) so far, however Banks are busy adding to the crisis

Credit cards loans defaults

Banks are actively busy pushing people over the edge and get them to default
1- If we miss payment Banks add the late fee upfront (minimum + fee) making it more difficult to catch up
2- Banks have started checking credit score without consent and if score not satisfactory – increase interest rate, which will increase monthly payments
3-Closing accounts or reduce credit limits even if you are paying them on time, because bad credit score. Will further decrease the credit score.

Consequence

Credit score going down even further
Monthly payments going up possibly increasing defaults
No possibility of refinancing home loans