There is a lot of national talk about the credit industry right now, including talk of more highly regulating credit cards. Well, yesterday my 2 year old got a credit card application in the mail. He can't even read (nor has he mastered going on the potty) yet Regions Bank was apparently willing to extend him a thousand dollar line of credit. What scares me about this nonsense is that someone may mess with it and mess up his credit score or something. Obviously, something is wrong with the credit industry when this kind of stuff is happening.