In her column, Jean Chatzky writes,

Banks have already figured out that they stand to lose big bucks in interest and fees because of the federal Credit Card Accountability, Responsibility and Disclosure Act.

Not surprisingly, they’re looking for ways to make up that ground even though much of the law doesn’t take effect until February. Nonetheless, new fees and charges are on the way. Add that to frequent fee increases and it reinforces that you need to be a careful consumer.