The Federal Labor Govt should legislate that Credit Card Issuers levy a tiny User Pays Fee on each Credit Card Purchase for the three Purchase Benefits Of 'Tap And Go', on all Credit Cards issued (after the passing of requisite parliamentary legislation) to accrue up to $1.84 bil circa and thereby enable re-introduction of a maximum interest rate Cap equal to Unsecured Variable Rate Term Personal Loan Rate (calculated by the RBA) presently 14.4% p.a.