credit cards,again and again !!

As expected, and because I've read an article just about that a week ago, I received a call from Chase today, advising me that they are raising my minimum payment on a fixed rate loan from the usual 2% to 5%, like many people my wife and I had a loan of about 13000$ which at the time a year ago they vividly encouraged us to go with them for a good rate of 3.99%, my last payment was in the amount of 273$ and now it will go to about 680$, I have a second loan with a different card lender, and I'm expecting them to follow suit, I might be able to meet those unproportional higher payments with difficulty or maybe not, but I'm sure many if not most people can not, what are you credit card companies doing ?? are you seriously trying to default most of your customers, or is it simply a revenge against all the people whom you seduced and begged originally to borrow your money, and where is your long term interest in making half your customers or most of the population stop using your cards and systems, I did try to relay this message to my Chase adviser, who insisted with sarcasm that Chase was actually doing me a favor by not increasing my rate but only my minimum monthly percentage payment. I still honestly can not see the advantage of the banks doing this, nor the benefits they are getting by defaulting and turning away many if not most of their customers, what's even worst, are our representatives, locally and federally, who keep bickering about politics and keep trying to fund those same banks, and not thinking about the minimum protection due to the people from those same banks. I'm sure bank managements have discussed these issues and decided to carry these measures, and I'm sure our representatives have heard as well of these grievances, that is if some of them were not hit themselves , could anyone please try and explain to me the logic behind what's happening in our system, and or how is it going to help our economy, the banks and the people of this country, thank you for listening and salamat.