The Credit Crisis Will Affect Each of Us

I don't know what to expect of my credit card company. Lots of my friends and colleagues have deals with Citibank and they are already experiencing hiking rates and tightening credit due to big losses the company incurred recently.
It is more than evident that the credit crisis will hurt not so much the banks as their customers - us.
If you want to know more about how things are going in the US economy and credit industry, read a comprehensive article on the current credit crisis and terrible news on the overall financial crisiswhich made me worry about my own financia future. I'll appreciate your thoughts