Actually, because of illness, I did run up big credit card bills. And the Card Co's were, as I lay in a hospital induced coma, VICIOUS and DISHONEST with my wife and with interest rates. Once I was well enough and back at home, we liquidated some things, paid the credit cards off , cut them into pieces and will never ever have any again, except my Amex Card, which I COMPLETELY pay up every month.
Anyway, please listen, these credit card bastards are NOT to be trusted, and will run your interest rates up to 31%+ at the first chance they get. They are every bit as bad as the "mob", so don't walk away from their credit offers, RUN away.