NEW YORK (10/13/09)--Consumers with credit cards might want to think about doing a balance transfer to a credit union, personal finance expert Suze Orman said on MSNBC’s “Morning Joe” program Friday. “Credit unions are being more responsible to their [members] than banks,” Orman said. During the show, Orman discussed the limited availability of credit plaguing consumers and said many large banks are raising their interest rates on customers who have consistently have paid their bills. She also noted the case of a Bank of America customer who experienced an increase in interest rates on her credit card balance despite paying all of her bills on time. The woman contacted Bank of America about the rate hike, but the bank refused to help her. She then posted a video on YouTube proclaiming that she would no longer make her payments. Bank of America eventually contacted her to mitigate the interest rate (News Now Sept. 25). To view the video, use the link.