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Credit card holders don't need their own 'bill of rights'
"Rate hikes and late-fee traps have to end. No more fine print, no more confusing terms and conditions," President Obama said last week when advocating another big-government solution - this time to evils committed by credit card companies.

Sphere(SM) is Here: Sovereign Bank Launches New Sphere(SM) Visa Signature Credit Card
  BOSTON, Jan. 13, 2012 /PRNewswire/ --  Sovereign Bank, a wholly owned subsidiary of Banco Santander, announced the launch of Sphere(SM), the new Sovereign Visa Signature Credit Card.  Sphere is Sovereign's first credit card since becoming a part of Santander and is branded with the Sovereign/Santander dual logo. (Photo: ) "We are very excited to launch the new Sphere consumer credit card," said Nuno Matos, head of Retail Banking at Sovereign.  "The credit card business will be a key driver in our continued strategic growth in the United States and Sphere is the ideal product for us to successfully introduce the first ever Sovereign/Santander dual branded consu ...

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