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Make credit card companies offer an automatic full-payment option.
Pawnbrokers do not make credit checks, and using them does not imperil credit ratings.
They can't write checks, deposit money in financial institutions or make credit card transactions.
These, in turn, call in loans and make credit harder to find.
It would make credit card contracts, which tend to favor the banks, less one-sided.
Financial innovation, meanwhile, worked to make credit even cheaper and more widely available.
Cracking down on those who "abused the bankruptcy laws," President Bush said, would therefore "make credit more affordable".
The UK industry is pressing the government for measures to make credit more available for consumers, dealers and manufacturers.
Advertisers can use Wink to offer customers more information or coupons, or even let viewers make credit card purchases.
But this would only make credit more expensive by reducing the willingness of companies to lend money.
The main point of disagreement is the centerpiece of the legislation: a proposed $30 billion lending program that would make credit available to small businesses through local banks.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com