The economy is in deep peril, and when people are having to decide if they want to eat, or default on a credit card, their going to eat. I think the people will respond positively regardless of economic stature, to a limit on the maximum interest rate a credit company is charging. These cards can go to 33% if you have a single late payment. The victims are the least able to pay in a recessionary period. It will make the poor more responsible for living within their budget, and it will keep credit cards from blanketing the postal service with cheap teaser credit card offers to people who don't qualify. Good stuff for the debate.