We’ll learn how grown-ups use credit cards and get some tips for being responsible with them. Then the ghost pirates show up.

Efforts to shoehorn the Credit Card Competition Act into pieces of popular legislation need to be defeated. The proposed law would harm the small businesses and consumers it purports to help.

A Washington D.C. bill would prevent banks and credit card companies from collecting processing fees on sales tax and gratuities—charges that businesses don’t even keep. But not everyone is on ...