The day is finally arriving…February 22nd that is. For credit card holders, this is the day the new Credit Card Accountability Responsibility and Disclosure Act (CARD) goes into effect. This means more consumer protection from credit card companies, who have gotten over for so many years. Do take heed to the increased fees, decreased credit limits, interest rate changes, and more before this date. I think it’s about time the credit card companies got put in their place. Here are more details about the consumer protections under this act as well as new ways to protect yourself from what companies are doing to get around it.