Bank Technology News, March 1, 1997. 26 . Id. 27 . Id. 28 . Id. 29 . Id. 30 . Lawrence M. Ausubel, Credit Card Defaults, Credit Card Profits, and Bankruptcy, 7 65, 98th Cong., 1st Sess. 58 (1985); Citibank South Dakota, N.A. v. Eashai (In re Eashai), 87 F.3d 1082, 1092 (9th Cir.1996); Aetna Finance Co. v. Neal (In re Neal), 113 B.R. 607, 608 (9th Cir. BAP 1990); Sears Roebuck and Co. v. Hernandez (In re Hernandez), 208 B.R. 872, 880 (Bankr.W.D.Tex.1997). 83 . S.Rep. No. 65, 98th Cong., 1st Sess. 58 (1985). 84 . id. 85 . GM Card v. Cox (In re Cox), 182 B.R. 626, 635 (Bankr.D.Mass.1995). See also AT&T Universal Bank v. Hensley (In re Hensley), 201 B.R. 494, 498 (Bankr.S.D.Ohio 1996). But see AT&T Universal Card Serv. Corp. v. Pakdaman (In re Pakdaman), 210 B.R. 886, 886-87 (D.Mass.1997) (<HOLDING>). 86 . S.Rep. No. 65, 98th Cong., 1st Sess. 58
holding that at a minimum a credit check must be preformed before a credit card is issued in order to have any resulting debt declared nondischargeable recognizing need to balance interests of debt or and creditor in determining nature of protection to be afforded creditor holding that the cox bankruptcy court struck a balance too harshly against a creditor when it found that credit card debt could not be found nondischargeable under section 523a2a holding intent to preclude can be found by language contained with the stipulated judgment indicating the debt is nondischargeable in bankruptcy holding the assumption of a credit card debt to be nondischargeable based on a waiver of alimony and a significant disparity of income