Even presidential candidates aren’t immune to high credit card rates. From Dan Ray (via Bob Lawless at Credit Slips): John McCain’s recent financial disclosure form revealed that he and his wife Cindy hold a joint credit card from Chase with an APR of 25.99 percent—which Dan says smells suspiciously like a penalty rate. Barack Obama has proposed a “Credit Card Bill of Rights” to rein in credit card issuer abuses; maybe Sen. McCain’s experience with Chase will prompt him to do something along the same lines.