Left to right: Credit-card agreement, Neo Johnson and Zjaeriq Sanders
Jess Jiang/NPR

Left to right: Credit-card agreement, Neo Johnson and Zjaeriq Sanders

On today's Planet Money, we read the thing you've never read: your credit card agreement. And we pose the question: Does it really have to be so long and complicated?

We talk to a lawyer who says yes, it really does have to be so long and complicated. We talk to a consultant whose job is to make it simpler. And we ask 4th graders to read a credit-card agreement and tell us what they think.

For more:

Read our post from this morning: "Why Are Credit Card Agreements So Long?"

And check out these two samples of bank privacy disclosures. Here's the complicated one. Here's the simplified one.

Download the podcast, or subscribe. Music: Two Door Cinema Club's "Undercover Martyn" and Willow Smith's "Whip My Hair." Find us: Twitter/ Facebook.