That really important credit card reform called the card act or credit card responsible and disclosure act was supposed to protect customers from the deceptive practices of the credit card industry, but my next guest says it's misfired in a few places. president of consumer education at smart credit.com. so, look, if you don't have income, you can't get a new credit card. ed idea here was congress didn't want credit card companies giving out, handing out this plastic like kand to people who couldn't pay back. stay-at-homes moms if they want a credit card, they're shut out. >> they forget about...