> They are smart enough to make all their grifts "fees" and "interest rates"

> For example, charging 17% on a credit card bill when the interest rate is 5.25%

That's not fraud or a financial crime though, since the interest rate is prominently shown on the front page of every credit card bill.

If they're telling you it is 6% and then charge you 17% without explanation, that would be fraud.