The new credit card rules

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How do you feel about the new credit card laws? I think some of it will do some good. One that I really like is that anyone under the age of 21 will require a co-signer unless they can prove their income is sufficient to cover the credit bills. The lenders are no longer able to jack up the interest rates on you...although most of these predators have already done so, in a rush to beat these new laws to the books. There will also be no more universal default, meaning you cannot have your interest rate on your cards jacked up because you were late paying your utility bills, basically they can't hold another default somewhere else in your life against you. It's too bad they were able to inflate their interest rates before the laws went into effect, but something is better than nothing I guess, even though in that sense it's already hurt most of us, the average American.