If you’re like me, you probably rely on credit cards to some degree to plug gaps in cash flow between paychecks. Most Americans are in the same boat. US banks have been taking advantage of Americans’ reliance on credit though downright usurious and predatory practices designed to juice as much money as they can from their customers through sneaky fees and unrealistic rules. Finally, Congress took some legislative steps to rein in the worst of these abuses and passed the the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009. It takes effect on February 22, 2010. As you might expect, the credit card companies have been finding new and creative ways to sidestep these restrictions on their ability to rape their customers. Read this article at DailyFinance.com to acquaint yourself with the new rules and to learn how to avoid the banksters’ new methods for fleecing you. Also, as I wrote about in an earlier post, consider moving your credit accounts away from Wall Street companies and into local, community banks and credit unions. Visit www.moveyourmoney.info for more info on how and why to do this.