The Credit Act has changed the rules of the banking business.
Be sure to know how they affect you.
One positive, issuers will no longer be able to 'fee-harvest'. This is a card with large up-front fees and low limits. This type of card is geared toward people with bad credit.
To read more about the way credit cards will change: http://www.creditcards.com/credit-card-news/credit-card-act-impact-credi...