PA-based Applied Card Systems and DE-based Cross Country Bank, sub-prime credit card specialists, were separately sued last week by the Minnesota Attorney General and the New York Attorney General. The lawsuits charge Applied and Cross Country with fraud, false advertising, deceptive business practices (including the use of predatory interest rates/fees), and, abusive debt collection practices. The suits noted that Cross Country was the subject of 25% of the complaints processed by the FDIC from 2000 to 2002. The New York Attorney General’s office said it handled about 400 complaints about Cross County. The Minnesota Attorney General reportedly fielded more than 200 Cross Country complaints. Cross Country Bank is the nation’s 23rd largest bank credit card issuer, based on year-end 2002 outstandings. The issuer has about 2.4 million cardholders according to CardData ([www.carddata.com]).