A new survey shows 21% of consumers said they were treated unfairly by card companies and 32% have paid off and closed a card since January 2008. The research also found that half of those that canceled did so in direct response to the actions of credit-card issuers, such as cutting limits, hiking rates, or imposing fees. Consumer Reports says its poll reveals only 41% said they were highly satisfied with their card issuer, making credit cards one of the lowest-rated services the firm covers. The survey also found that 45% of respondents say they are charging less, 43% say they are spending about the same, and 11% are charging more than they did a year ago. The surveys found that one-third of Americans say they don’t own a credit card. Of those Americans who use them: 54% pay their balances in full each month; 13% carry balances over $10,000 (median $17,366); and 33% carry balances up to $10,000 (median $2,554). The report is available at www.ConsumerReports.org or in the November issue.