Actually, about Comcast, you are mistaken. The reason it appears as a monoply for you is because you are not a large business. If you check your area's sources depe enough, you'll find that you actually could get a different provider if you were a large business. Because it counts as having two opposing companies as an option in the same area, even if one is inaccessable to the average person, it is allowed. It is a stupid BS clause, and I found out about it dealing with exactly what you said when I lived in Florida and was only offered Bright House. Apparently, Verizon existed for corporations in the area, such as Wal-Mart.
And again, you appear to not know what a 'trust' is. The collusion you described would be a perfect description of one such trust. However, as they are only two of many card companies, it is not a monopoly or a trust. If you wish to insult me by talking down to me and calling me a child, at least do your research first and look like you know what you are talking about.