The ______banned credit card companies from issuing cards to anyone under age 21, unless the person can show proof that they can repay the loan independently. Since Maria works only during the summer, she would ____this test. It is _____that she can obtain a credit card without her parent's help at this time. However, once she turns age 21 she will ___________________a credit card, if she has no _____credit history to suggest mismanagement.