NEW YORK - MAY 20: In this photo illustration, major U.S. credit cards are seen on May 20, 2009 in New York City. In new landmark credit card legislation, the United States Senate has voted 90 to 5 to pass a bill that would restrict credit card issuers' ability to further raise interest rates and charge fees. Known as the Credit Card Accountability, Responsibility and Disclosure Act, or Credit CARD Act, the new rules would force companies to post their credit rules on the internet and provide cardholders with a written statement explaining pending interest-rate hikes 45 days in advance. (Photo Illustration by Spencer Platt/Getty Images)