I'm glad to see the bankruptcy laws tightened up, but lets not take all the onus off the credit card companies. I spend a lot of time at the University of Minnesota and during the first week of classes the credit card shills line the student union. Getting a credit card is a personal decision, but throwing unsecured cards at 18 year olds isn't right. Testosterone, alcohol, and credit cards aren't a good mix for kids and I've rented our rental property to a couple of kids who have proven it.

M22's, VP150, QS4's, HK 630, HSU VTF3-MKII