NEW YORK (CNNMoney.com) — The second most famous quote from the movie "The Graduate" — the top undoubtedly has to be "Mrs. Robinson, you’re trying to seduce me." — is the one where Mr. McGuire wants to tell Dustin Hoffman’s Benjamin "just one word" about his future.Plastics.Investors humbly disagree. Before the Great Recession, many consumers frequently chose plastics (i.e. credit cards) over cash. But the combination of the still-weak economy and tough new financial reform rules have sent the shares of the two top credit card networks Visa and MasterCard reeling lately.

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