Help Americans by getting the Banks to lowering charge card interest rates

Charge card interest rates are too high. They are hurting
us. We use charge cards to live because of the ecomomy, the lack of jobs and the cost of gas.
Charge card payments increased from 1% of the balance to 1and1/2% - 3% of the balance with a bill put in during the Bush Adminstration, increasing the average payment by 50%.
Under the Dodd/Frank's admendment, Banks were allowed to increase interest rates as long as they notified you in writing but before this law took place, interest rates shot up from 7.9%-15.9% to the current 14.9%-29.9%.
These rates are way too high + hurting us. 50% to 75% of each payment goes to interest. We will never get out of debt.
We need the President and Congress to make the Banks lower these rates to acceptable levels.We helped the Banks, time they helped us