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Free credit cards for everyone! Okay, not quite, but today the House passed sweeping new rules for the credit card industry 361-94, a day after the Senate passed the same measure with 90 votes. “The new restrictions will protect debt-ridden consumers from many of the surprise charges common in the industry, like over-the-limit fees and a charge to pay the bill by phone,” according to the Associated Press. Sorry kids: “People under 21 also will find it difficult to get a card.” According to White House spokesman Robert Gibbs, President Obama will sign the bill as soon as possible.