The Senate passed by an overwhelming margin today its version of the Credit Card Holders' Bill of Rights. The bill is aimed at ending what consumer advocates say is unfair practices, including hiding percentage hikes and penalties in small print and language the average American doesn't understand. It would also make it more difficult for credit cards to be issued to younger adults.

Ninety senators voted for the bill, with five voting against (four GOP, one Dem) and four not voting.

"We stood up for consumers and stood up to abusive credit card companies," Senate Majority Leader Harry Reid said today in a press release following the bill's approval. "We said that big banks can no longer take advantage of hardworking Americans. We demanded that when Americans use a credit card -- as almost everyone does almost every day -- they no longer have to fear that they'll be abused."

The House passed its version April 30 by a 357-70 roll call vote, with no Republicans supporting it and just one Democrat voting against it. The differences between the two versions will now need to be hashed out before it's sent to President Obama.

All three South Dakota members -- Sens. Tim Johnson (D) and John Thune (R), and Rep. Stephanie Herseth Sandlin (D) -- voted against the bill. South Dakota is home to Citibank and many credit card companies.