Bourke: Clearly everybody involved needs to be responsible. There's no question that consumers who are using credit cards have a responsibility to not go beyond their means. But likewise, credit card companies have a responsibility to be up-front with what the price of these products are and how they behave, and how they might change over time. So the most pressing need here, really, is for Congress to step in at this point and pass the laws that they're talking about passing to ensure that credit card contracts are behaving like real contracts.
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