The loophole-ridden Credit Cardholder's Bill of Rights
is going to kick in soon, but for most people it won't amount to a hill
of magic beans.
For example, many of the benefits only apply to
people with fixed-rate credit cards. Between the time that the law was
passed and the day it's enacted, our credit card banks will have
converted 90% of us to variable-rate cardholders. There goes that.
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