At the time interest rates were rising, and interest rate caps were forcing credit card issuers to suffer huge losses.

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The 31-year-old has established himself as a regular in the national squad since making his Wales debut against Australia in 2001, with 57 caps to his credit.

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Instead, it spoke in dire terms of the possibility that America could lose its AAA credit rating, and advocated spending cuts, spending caps, and a balanced budget amendment to the Constitution as the solution.

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Government should make credit card companies reduce their rates, and or put caps on interest paid back to them, so people can realistically pay off their debt.

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Meanwhile, credit unions continue to push for Congress to approve an increase of their caps on commercial loan portfolios in order to offer more loans to local businesses.

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It also argues the Durbin amendment, which caps fees on debit cards, will drive banks to push customers toward using credit cards instead.

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