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— James Cook
  • 13. May 13, 2009 6:39 pm Link

    We really need major reform of the relationship between legislators and private interests (aka lobbyists.) Until that happens, government is going to continue to be utterly dysfunctional.

    — Hopskotch
  • 14. May 13, 2009 6:40 pm Link

    I learned something a long time ago. Do NOT use credit cards. Ever! We have a choice as consumers to use them or not. It really is that simple. I truly believe in pay as you go in my personal finances and live within your means. I drive an 1987 Toyota camry with 267,000 miles and it STILL goes! I do not buy into the car payment trap. I do not care what people think of my old car. Besides, I have used my debit cards with a VISA or MC logo and have never had any trouble. Why can’t most AMericans learn these few simple rules? Now do not get me wrong. What these credit cards companies do is beyond a doubt usury. But we are not forced to use their financial products. Credit cards are not required to live a decent life.

    — Diego
  • 15. May 13, 2009 6:42 pm Link

    Aren’t they part of the same financial system that taxpayers having been paying to fix.

    I propose we further “fix” them, as in “neuter, emasculate, castrate.”

    — Marshall
  • 16. May 13, 2009 6:42 pm Link

    What?! The Senate obviously no longer works for the people. Is it time for another revolution in our country? We citizens are going to have to get off these blogs and into the streets the way the Europeans do to get real change. We have been distracted with a fake battle between the GOP and the Democrats. The real battle is between the thieving elites running our country and the remaining 98% of our country being treated like idiots. I am furious over what the Senate has done.

    — Chris B.
  • 17. May 13, 2009 6:48 pm Link

    They are all in on it. Democracy in this country is for the privileged few. We, the (little) people, just pay the taxes to support the elite.

    Do you really expect anything different?

    — Jane M. Jordan
  • 18. May 13, 2009 6:49 pm Link

    Have any of you read the bill? It actually hits upon all the areas it needs to (ie, drop of the hat rate changes, double billing, changing payment dates and time, etc.). If they tried to set interest rates at 15%, most of the people who depend on having access to credit each month will not have it. No business is going to take the risk of loaning money to these people without a higher reward. I’m not saying they shouldn’t cap the rates at about 35%, but 15% is way to low. It would only hurt the people the bill is intending to help.

    — Ben
  • 19. May 13, 2009 6:51 pm Link

    This just confirms what I fear the most. Our democracy isn’t what the politicans tell us it is, what it’s supposed to be. It’s corrupt. Let me say that again.

    OUR POLITICANS ARE CORRUPT.

    Both the government and corporations are out to get us. They work for each other but not us. Obama must bring change, and much sooner than he has..

    — C Gallagher
  • 20. May 13, 2009 6:52 pm Link

    1> credit card rate law rejected
    2> bk reform rejected

    govt for the people by the people

    hahahhahhaha

    — btb
  • 21. May 13, 2009 6:53 pm Link

    If there weren’t people paying 20-30% on their credit cards out there, the banks wouldn’t be able to give me 4%. If you don’t like the deal, don’t take it.

    — Vijay Iyer
  • 22. May 13, 2009 6:53 pm Link

    Credit cards are unsecured debt. As such, the banks are simply pricing for the risk of default based on credit history and the absence of collateral.

    If you have a 700+ credit score, you can very easily find a card with a rate of 6% – 10%. If you have a low credit score (under 650 usually) your rate will be substantially higher because you’ve not proven the ability to borrow responsibly.

    Therefore – if you don’t like the interest rates on credit cards don’t use them. It’s not the job of government to protect us from high interest rates – it’s the responsibility of the people to live within their means.

    — Keith Burghardt
  • 23. May 13, 2009 6:55 pm Link

    It’s time for senate limits, that’s all.

    Don’t go into a tizzy here. Either we impose limits on senate terms, or we let old farts who have no idea what’s going on who still live in the early 1900′s run our country.

    What’s it going to be?

    — scot
  • 24. May 13, 2009 6:56 pm Link

    The comments are generally right on. Any one who contributes to the campaign fund of these rapacious frauds needs to know he or she is financing their own extermination. I share the rage.

    Publish the voting list. Those who supported the continued loan sharking should be punished. Credit card debt is a legal and highly deadly drug.

    — Millington
  • 25. May 13, 2009 6:58 pm Link

    term limits and age limits for these XXXXXs

    — Amos Lakos
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