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Credit card law needs funding to work

Feb. 22 marked one year since the Credit CARD Act took full effect. Contrary to card industry threats of higher interest rates, the law is working well. A new study by the Center for Responsible Lending found no evidence of rate increase and emphasized that fees and practices are 'more transparent' now. Further, the new law prohibits card companies from continuing their worst 'gotcha' tricks, such as tripling your interest rate if you are as little as one day late.

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