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President Obama said as much when he summoned credit card executives to the White House Thursday, and made clear he supports legislation that would:

restrict sudden rate increases

rein in fees

require clearer applications, notices and contract language

put some teeth into enforcement against issuers who violate fair-play rules

The fate of bills like the Credit Cardholders Bill of Rights is in some doubt, however, since the banking lobby is so very powerful in Washington.

If you agree that credit card excesses need to be curbed, contact your lawmakers, particularly your U.S. Senators, who are facing particular pressure to water down any reforms. CLICK HERE for contact information for your state senators.