host: the americans for financial reform's elyse hicks joining us. our firth call -- first call comes from ruth in california, go ahead. caller: good morning. guest: good morning. caller: i'm glad you brought up the subject of bankers and the banking industry with relation to credit cards. my credit card is issued by my bank. my bank is also associated with experience, which is one of those credit agencies. so this wrote -- this is related to the whole thing of harming your credit and all that. they are constantly sending me emails that say, you could pay down your balance better with one of these credit cards with a balance transfer, yada, yada. so i look at them and they do have a pretty good idea of the information that's in my bank account because they are associated with my bank. so if i apply for these cards and am turned down, i'm not so upset about being turned down as the prospect which was given to a really good chance of getting, quote unquote, this choice chosen especially for you. but when we apply for a credit card, even if we don't get

. >> host: again the americans for financial reform elyse hicks joining us for this conversation. conversation. our first call comes from ruth in california. you're on with our guest. go ahead with your question or comment. >> caller: good morning. i'm glad you brought up the subject of bankers in the banking industry with relation to creditth cards. my credit cards is issued by my bank. my bank is also associated with experience in which is one of those credit agencies -- xp region. this is this is a letter r credit and all that. they are constantly sending me even if they say you know, you could pay down your balance better with one of these credit cards with a balance transfer, daddy yada, yada. so i look at them and they do have a pretty good idea of the information that's in my bank account because they arenk associated witht my bank. so if i apply for these cards and and turned down, i'm not so upset about being turned down as the prospect which is given a really good chance of getting, you know, quote-unquote, you know, this choice is chosen especially for you. but when we

we will talk with elyse hicks, consumer policy counsel.discussion taking place when "washington journal" continues. >> preorder your copy of the congressional directory for the 118th congress. it's your access to the federal government with bio and contact information for every house and senate member, important information on committees, the cabinet, state governors. scan the code at the right to preord your copy for early spring delivery. it's $29.95 plus shipping and handling. order at c-span shop.org. book tv every sunday on c-span two features leading authors discussing their latest nonfiction books. 8:00 p.m. eastern, following access to president biden and his advisers, chris whipple gives an insider account to the presidcyn progress. then at 100.m. on afterwords, the book "inside congressional committees," examines their strengths and weaknesses. she is interviewed by devin gosar. watch book tv every sun c-span 2. watch online any at book tv.org. >> be up to date in the latest in publishing with book tv's podcast about books with c

website if you want to check out the work ticket when it comes to late fees of credit cards and elyse hicks serves as a consumer policy council. ms. hicks thanks for your time today. >> guest: into so much for having me. >> host: white house reporter from the hill newspaper joint as the assume this morning. brett sandals good morning to you. >> guest: how are you? , a story in the hill and what we don't know about the latest objects shot downt on the u.s. after that briefing at the white house yesterday. what dous we know and what don't we know? >> guest: so the reality is there still a lot we don't know and that officials don't know and are not quite ready to share yet with the public. what we do know is that there were three different objects shot down over the weekend, friday, saturday and sunday by the u.s. military. what we know it's not much be on that other thanth where they wee shot down, which is on friday over alaska, saturday up in canada, and sunday over lake her on. so beyond h that officials are t ready to classified or described what these objects wereer beyond just calling t