Let's review, shall we?
1. May 13, 2009: The U.S. House passes (resoundingly) sweeping credit card reform legislation aimed at limiting abusive and deceptive credit card practices, like raising rates on people who pay their minimums on time. The law (signed by President Obama) mandates February 2010 for implementation. Most House Republicans vote for the measure, but not Virginia Foxx. She's one of 64 Republican House members who vote against the bill.
2. Between May 13 and now: Credit card companies start jacking up their interest rates and fees in advance of the law's taking effect. That's called "In your face, Congress!"
3. November 4, 2009: Congress responds to the behavior by voting to move up the deadline for implementation to December 1 of this year. The Expedited CARD Reform for Consumers Act of 2009 passes the House 331 to 92, and if you're guessing that -- yep! -- Virginia Foxx voted against this too, you'd be right. Plus she said this on the floor of the House: She called the bill unnecessary and said "people who take out credit cards don't have a gun to their head. If you don't like the rate, get another credit card."
Ah, that milk of human kindness! Are you flashing on "Let them eat cake," like I am?
Foxx's attitude, combined with the practices of the credit card companies, earned The Madam another blistering editorial in the Charlotte Observer.