I would love to refinance my home and pay off my credit card debt (which to a large extent is due to police graft, but that's another story).
Although my credit score is AA++ in the words of my broker, from the perspective of my mortgagee, my income to debt ratio is too high.
Now Capital One, who I've been doing business with for over 15 years is arbitrarily raising the interest rate sky high. This is unbeleivable especially in this economic climate. I've called a few creditors when I've had questions, and rather than helping me, they want to 'offer' something and get me deeper in debt. Woe be to these low life scum that make a 'living' doing this.
Of course some are rather upright and ethical. Generally speaking, this preying off their debtors like this should not be occurring.