May 212012
 
credit-moms2

Feeling marginalized and disrespected women have circled the wagons and seemingly declared war on Democrats or more specifically, their views on credit cards. The Credit Card Act, initiated by Democrats in 2009, has limited stay-at-home moms and dads from obtaining credit necessary to run their homes and manage their families needs.

Because Democrats don’t think American adults are capable of managing their finances or smart enough to read terms and conditions, they passed the Credit Card Act to protect helpless Americans from the big bad credit card companies. Effective last October, the act requires credit card issuers to process card applications based upon individual income rather than household income. For stay-at-home moms or dads, without traditional income because they use their spouse’s paycheck to run the household, the change essentially stops them from obtaining credit for purchasing children’s clothes, school supplies, domestic necessities or emergency items.

Apparently, Democrats feel the working spouse should be forced to take time off from work to handle family purchases or jam all the errands in during downtime from the job. Whatever the reason, it sends a clear message to stay-at-homes — you’re not worthy.

“I think it’s demeaning,” said Holly McCall, a 34-year old mother of two.

So enraged is McCall she took action and started an online petition several weeks ago. Her site, Change.org, has collected over 30,000 signatures from concerned Americans across the country. Last week McCall and several supporters stopped by the Consumer Financial Protection Bureau in Washington, D.C., and dropped off the signatures in hopes the bureaucrats would make the necessary changes.

This is another example of how the governing elite have very few daily concerns or behaviors in line with average Americans. Running a household, like running a business, requires initiative, adaptability, organization — and credit. Of course, most law-makers have never run a household or a business. Is it any wonder, then, when they sit down to compose laws to save us from ourselves they turn out to be short-sighted, poorly considered nanny-state policy.

 

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