Winners And Losers 3 Years After Credit CARD Act

Banking industry representatives had warned before the credit card regulations were signed into law May 22, 2009, that the reforms would lead to higher interest rates for all users and that many people with bad credit would be shut out of the market completely. Those predictions have come, at most, only partially true.
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Other predictions -- such as the widespread return of annual fees and rewards card programs becoming stingy -- didn't happen at all.