OK...fine.

1) No credit history = no unsecured credit
2) POOR credit = cap on credit limit (based on income)
3) HORRIBLE credit = no unsecured credit
4) 18 - 21 years old with credit history = cap on credit limit (based on income)
5) interest rates - I don't have enough details to know what these should be capped at, but I DO know that if bankrupcies are going to be curbed, so should/can the interest rates being charged.

Better?