people that can't get cards and all of rest of us have to pay more for credit. >> john: maybe they are better off not having credit because they couldn't handle it. >> just to say they don't have a credit card doesn't mean they don't have credit. >> john: they will go to more expensive plays. >> local pawnshop to get money. >> john: and really get ripped off. payday lenders make small, short term loans. >> a bill came in, it was little higher than i anticipated. but the annual interest posted clearly 521%. some places charge more. >> 800% interested is legal? >> maybe not once consumer protectors ban the abuses for payday loans. but what elites call abuse, some consumers call a way out. >> i know people say, predatory lending, but if you have an