Why cant consumers charge credit card companies and banks interest and late fees on money they owe us??

I still dont get how companies get away with charging huge interest rates, and late fees to consumers? Think about it credit card companies and banks charge you interest on money you owe them, and when you dont pay ontime they charge you a ridiculous late fee!!! Even utility companies will charge you penalties and fees if they dont get their money on time,by an exact date!

Why is it then that when we overpay as a consumer we cant charge the companies interest and late fees on the money they owe us?????? I have had to wait months to get money back from credit card companies that I over paid , one time it was only 9 dollars and it took me months to get my money back!

Why is it these companies can take their sweet ol time paying us when they are the ones who owe us and we cant get interest on are own money? It just dosnt make sense.............................................................................as President of the united states I will change this law, whats fair is fair right??