Decision 2012 and credit cards - Gary Johnson and Ron Paul
The libertarian perspective
Though only one is running for the Libertarian Party, both of the following candidates represent the libertarian perspective that when it comes to government, less is more:
Former New Mexico governor Johnson's positions include being fiscally conservative and generally keeping a tight check on the role of the federal government. Among his priorities, Johnson wants to audit and reform the Federal Reserve.
Though running as a Republican, Texas Congressman Paul seems to take the Libertarian viewpoint further than Johnson, seeking to abolish, rather than just reform, the Fed. As a member of Congress, Paul has consistently voted against stimulus spending, financial reform and credit card reform.
The libertarian candidates share the pro-business loathing of regulation, but they differ in the way they oppose the Federal government actively supporting business, such as with fiscal stimulus and through actions of the Federal Reserve. Ideally, their views would make the the credit card industry more competitive, but at the extremes those views could also make it less stable.