In the past year, the credit industry has amped up the rewards and promotions they offer to those customers with “excellent” credit ratings – while seemingly ignoring everyone else.

While the trend may not result in outright warfare between the proletariat and the bourgeoisie, the growing divide between “rich” and “poor” credit cards is certainly raising a few eyebrows in the finance industry … and for good reason.

Let’s start out by taking a look at what’s been going on in Average Joe’s neck of the woods. In Fox’s latest briefing on the state of the credit industry, they report that interest rates for “no frills” credit cards meant for consumers with average or poor credit ratings rose by 8 basis points to 15.11%. And while owners of these average cards will have to start paying more interest on their balances in the future, the interest rate for prime cards stayed exactly where it was.

But it’s not just the rising costs that are fleecing the “average” consumer. Credit card companies have also done little to assist people with no credit history or poor credit history as they attempt to build good credit in the post-CARD Act economy.