I like Obama but I don't agree with everything. You should be able to get a credit card at 18. I think that's bull crap. Now I guess since you don't get to learn at 18 to pay on your credit cards or any bill, I guess you get to start learning at 21. I have no problem with stopping Credit Companies from gouging. But more rules on consumers is to much. But I can't forget, when I just turned 19, Reagan had the drinking age changed to 21 too. That just made me drink more.