Is there a list available of the credit card companies that have a universal default clause?

Answer 1

The universal default practice is increasingly becoming a standard in credit card agreements. According to credit card executives, the logic behind it is that the bank is not being unreasonable in raising your rates when it has reason to believe that the risk of not being repaid by the consumer increases.
There really is not a list out there...as you shop around for cards, just ask if they ascribe to that practice. I think you'd be hard pressed to find one that doesn't.
Hope that helps!