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Credit Cardholder's Bill of Rights Act of 2008 The Credit Cardholders' Bill of Rights Act of 2008 passed the House on Sept. 23 by a vote of 312-112 (with nine members not voting). The bill is aimed at "major industry abuses that unfairly hurt consumers. Pay Off Your Credit Cards in Record Time Credit card debt - it seems we are drowning in it. Each year, Americans rack up more and more credit card debt and it becomes harder and harder to pay them off it seems. Many of us have multiple credit cards with different balances meaning that each month we have to go through and make sure each one gets paid - and all too often we pay and pay without seeing as much as a dent being made in the balance thanks to interest charges!