Stay-at-home parents upset about credit card law

CHARLOTTE, NC (WBTV) - Photography is Marcie Roy's passion.

But she never got into it full-time, because she chose to stay full-time with her kids.

"I wanted to be involved," she says. "I wanted to be involved in raising them."

Roy's husband has a good job.

"He's the breadwinner, and I take care of the matters at home," Roy explains.

But she never thought that her family's arrangement would put her individual credit in jeopardy.

"It feels like we're less than," she says. "Our contribution isn't really appreciated because we're stay-at-home Moms."

It's an unintended effect of the Obama Administration's credit card reform. Creditors used to ask applicants for a household, they must ask for personal income. The idea was to keep students from racking up too much debt.

And Heather Knox can certainly understand the intention.

"I think that should be considered a crime. Those tables set up at colleges where kids are signing up for credit cards. They have obviously no credit history," she says. "And I think it's ruined, literally ruined, people before they've even gotten started out of school."

But Knox is also a wife and a mother, and the idea that stay-at-home parents must put a zero here doesn't sit well either.

"A grown woman who can care for and tend to and raise people in life to have to go ask someone's permission to spend the money that they've well earned in their family - sure I can see how that's frustrating," Knox says.