Visa Reward Card

10 credit cards that won’t rip you off - MSN Money
High rates (and teaser rates that vanish too fast). Unrewarding rewards programs that make benefits hard to earn or use, or that come with fat annual fees. To find a list of credit cards that won’t rip you off, I consulted

10 Things Credit-Card Companies Won’t Say - Smart Money
Updated and adapted from the book ” 1,001 Things They Won’t Tell You: An Insider’s Guide to Spending, Saving, and Living Wisely ,” by Jonathan Dahl and the editors of SmartMoney. 1. “We’re waiting for you to screw up

Stratus Media Group, Inc. Appoints Diana Berman as Senior Vice President for Global - PR Inside
Stratus Media Group, Inc. (OTCBB: SMDI) a leading live entertainment company, today announced the appointment of Diana Berman as Senior Vice President of its Stratus Rewards Visa White Card division. Ms. Berman will

10 credit cards that won’t rip you off - MSN Money
High rates (and teaser rates that vanish too fast). Unrewarding rewards programs that make benefits hard to earn or use, or that come with fat annual fees. To find a list of credit cards that won’t rip you off, I consulted

10 Things Credit-Card Companies Won’t Say - Smart Money
Updated and adapted from the book ” 1,001 Things They Won’t Tell You: An Insider’s Guide to Spending, Saving, and Living Wisely ,” by Jonathan Dahl and the editors of SmartMoney. 1. “We’re waiting for you to screw up

Stratus Media Group, Inc. Appoints Diana Berman as Senior Vice President for Global - PR Inside
Stratus Media Group, Inc. (OTCBB: SMDI) a leading live entertainment company, today announced the appointment of Diana Berman as Senior Vice President of its Stratus Rewards Visa White Card division. Ms. Berman will

RONA Launches New Improved Version of “RONAdvantages - PR Inside
period — Up to 800 AIR MILES® reward miles if both cards are presented at the time of purchase — And of course the valuable advice of an expert in the store on the best way to complete the project The RONA VISA Desjardins card will still be

The end of the binge - Economist.com
The number of holders of Visa The charge card is even more a product for these times than…three years ago.” The company is now offering features that help cardholders control spending. It lets them pay for groceries with reward points and

Start 2010 right with the best credit cards for college - College News
this card is a great choice. 2. CitiForward Card for College Students Designed with the young adult in mind, the CitiForward Card will allow you to earn 5 points for every $1 spent on books, movies, dining and music, then 1 reward Visa Card

Rebate program begins - Minot Daily News
Get an Energy Star-rated one starting Tuesday and the North Dakota Department of Commerce will reward you. Through the State Energy of submission to the recipient in the form of a $150 pre-paid Visa debit card.

Elderly Woman Accused Of ID Theft - WFMZ-TV Online
the woman presented a teller with a withdrawal slip with the victim’s account number, a fraudulent driver’s license with the victim’s previous address, and a Citibank Visa card with the and are eligible for a cash reward of up to $5,000 if

RONA Launches New Improved Version of “RONAdvantages - PR Inside
period — Up to 800 AIR MILES® reward miles if both cards are presented at the time of purchase — And of course the valuable advice of an expert in the store on the best way to complete the project The RONA VISA Desjardins card will still be

The end of the binge - Economist.com
The number of holders of Visa The charge card is even more a product for these times than…three years ago.” The company is now offering features that help cardholders control spending. It lets them pay for groceries with reward points and

Start 2010 right with the best credit cards for college - College News
this card is a great choice. 2. CitiForward Card for College Students Designed with the young adult in mind, the CitiForward Card will allow you to earn 5 points for every $1 spent on books, movies, dining and music, then 1 reward Visa Card

Rebate program begins - Minot Daily News
Get an Energy Star-rated one starting Tuesday and the North Dakota Department of Commerce will reward you. Through the State Energy of submission to the recipient in the form of a $150 pre-paid Visa debit card.

Elderly Woman Accused Of ID Theft - WFMZ-TV Online
the woman presented a teller with a withdrawal slip with the victim’s account number, a fraudulent driver’s license with the victim’s previous address, and a Citibank Visa card with the and are eligible for a cash reward of up to $5,000 if

Some credit card companies raising fees as new rules force them to - MLive.com
AP File Photo A federal law requiring more transparency with credit cards took effect this week. GRAND RAPIDS — Lisa Rose Starner didn’t realize until recently that pulling out her Visa card during a family vacation in Mexico cost her an extra 3

Specter bill loosens credit card restrictions - Pittsburgh Post-Gazette
WASHINGTON — As Sen. Arlen Specter planned to introduce legislation regulating credit and debit cards, the banking industry this week staged a pre-emptive strike against the bill — calling it bad for consumers. Mr. Specter’s office acknowledged

Mixed blessing: Your next credit card bill might shock you - Syracuse Post-Standard
this group, options may be limited to alternatives like PayPal and other electronic payment services, prepaid cards and payday lenders. “Not everyone either deserves or should have an open-ended credit card,” said Roger C. Hochschild, chief

New law that shows credit card costs may lead to shock for some - Dallas Morning News
NEW YORK – Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

PreCash Introduces Flexible New Line of Vision Prepaid Visa Cards - Newsblaze.com
free transactions, and we have cards that work well for any user, regardless of how often they need it. We are the first to offer this much choice and control.” While just about anyone can find a card in the Vision Visa line that works well for

Merchants want Congress to take a swipe at ’swipe fees’ - CNN
Merchants pay “swipe fee” when customers use MasterCard, Visa Swipe fees brought in somewhere between $38 billion to $46 billion in 2008 Credit card industry says the fees are appropriate because of services they provide Unclear whether restricting

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
Those little credit cards are com Rewards Card is just one of those cards. Our family has been using an Amazon.com Rewards Card for a while now and know you can know what are all of the perks and pitfalls of the Amazon.com Reward Card.

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

Specter ‘Seriously’ Considers Bill on Card-Swipe Fees (Update3) - BusinessWeek
Senator Arlen Specter may introduce a bill that seeks to limit interchange fees charged to merchants with each swipe of a credit card as prospects higher interchange for premium cards. Banks use interchange revenue to help pay for rewards

Some credit card companies raising fees as new rules force them to - MLive.com
AP File Photo A federal law requiring more transparency with credit cards took effect this week. GRAND RAPIDS — Lisa Rose Starner didn’t realize until recently that pulling out her Visa card during a family vacation in Mexico cost her an extra 3

Specter bill loosens credit card restrictions - Pittsburgh Post-Gazette
WASHINGTON — As Sen. Arlen Specter planned to introduce legislation regulating credit and debit cards, the banking industry this week staged a pre-emptive strike against the bill — calling it bad for consumers. Mr. Specter’s office acknowledged

Mixed blessing: Your next credit card bill might shock you - Syracuse Post-Standard
this group, options may be limited to alternatives like PayPal and other electronic payment services, prepaid cards and payday lenders. “Not everyone either deserves or should have an open-ended credit card,” said Roger C. Hochschild, chief

New law that shows credit card costs may lead to shock for some - Dallas Morning News
NEW YORK – Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

PreCash Introduces Flexible New Line of Vision Prepaid Visa Cards - Newsblaze.com
free transactions, and we have cards that work well for any user, regardless of how often they need it. We are the first to offer this much choice and control.” While just about anyone can find a card in the Vision Visa line that works well for

Merchants want Congress to take a swipe at ’swipe fees’ - CNN
Merchants pay “swipe fee” when customers use MasterCard, Visa Swipe fees brought in somewhere between $38 billion to $46 billion in 2008 Credit card industry says the fees are appropriate because of services they provide Unclear whether restricting

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
Those little credit cards are com Rewards Card is just one of those cards. Our family has been using an Amazon.com Rewards Card for a while now and know you can know what are all of the perks and pitfalls of the Amazon.com Reward Card.

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

Specter ‘Seriously’ Considers Bill on Card-Swipe Fees (Update3) - BusinessWeek
Senator Arlen Specter may introduce a bill that seeks to limit interchange fees charged to merchants with each swipe of a credit card as prospects higher interchange for premium cards. Banks use interchange revenue to help pay for rewards

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
com gift certificates. In our case, a $25.00 gift certificate was rewarded for 2,500 points. The Good, the Bad and the Really Ugly: The good news is that there is no annual fee for an Amazon.com credit card. It’s easy to earn gift certificates and

CU Credit Cards Featured on CBS - Credit Union Times
First Community’s new credit card program offers its 50,000 members a choice between four VISA-branded credit cards, including a Platinum rewards card with a fixed rate as low as 8.9%. There are no annual fees associated with any of the cards. “

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
com gift certificates. In our case, a $25.00 gift certificate was rewarded for 2,500 points. The Good, the Bad and the Really Ugly: The good news is that there is no annual fee for an Amazon.com credit card. It’s easy to earn gift certificates and

CU Credit Cards Featured on CBS - Credit Union Times
First Community’s new credit card program offers its 50,000 members a choice between four VISA-branded credit cards, including a Platinum rewards card with a fixed rate as low as 8.9%. There are no annual fees associated with any of the cards. “

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
com gift certificates. In our case, a $25.00 gift certificate was rewarded for 2,500 points. The Good, the Bad and the Really Ugly: The good news is that there is no annual fee for an Amazon.com credit card. It’s easy to earn gift certificates and

Elementary economics: Where do we learn our most lasting insights - San Francisco Chronicle
At least that’s been my experience. When I try to recall when and where I learned about money growing up, I draw a blank. And to be honest, I’m still learning (if not always implementing) basic lessons about money, even as I wade into middle age

Are Amazon.Com Rewards Cards “Rewarding?” - Associated Content
com gift certificates. In our case, a $25.00 gift certificate was rewarded for 2,500 points. The Good, the Bad and the Really Ugly: The good news is that there is no annual fee for an Amazon.com credit card. It’s easy to earn gift certificates and

Elementary economics: Where do we learn our most lasting insights - San Francisco Chronicle
At least that’s been my experience. When I try to recall when and where I learned about money growing up, I draw a blank. And to be honest, I’m still learning (if not always implementing) basic lessons about money, even as I wade into middle age

Report: Interchange Fees Impede Economic Growth, Job Creation - CSNews Online
February 22, 2010 - INDIANAPOLIS — Less than 20 percent of the interchange fees charged by credit card companies actually covers the cost of processing transactions, according to a new report by former U.S. Under Secretary of Commerce Robert J

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

Report: Interchange Fees Impede Economic Growth, Job Creation - CSNews Online
February 22, 2010 - INDIANAPOLIS — Less than 20 percent of the interchange fees charged by credit card companies actually covers the cost of processing transactions, according to a new report by former U.S. Under Secretary of Commerce Robert J

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

New law that shows credit card costs may lead to shock for some - Dallas Morning News
NEW YORK – Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

Visa Introduces the Visa Signature Luxury Hotel Collection - Earthtimes
SAN FRANCISCO - (Business Wire) Visa Inc. (NYSE: V) today announced the launch of the Visa Signature Luxury Hotel Collection (VSLHC), a new premium travel offering enabling Visa Signature cardholders to find, book and enjoy unique benefits at a hand

Letter: The credit card companies can’t stand a guy like me - The Daily News Online
“Neither a borrower nor a lender be.” Credit card companies seem to forget this aphorism. Can we agree that the optimally performing economy is one in which financial transactions are settled and closed in the most timely manner feasible? That is, I

Report: Interchange Fees Impede Economic Growth, Job Creation - CSNews Online
February 22, 2010 - INDIANAPOLIS — Less than 20 percent of the interchange fees charged by credit card companies actually covers the cost of processing transactions, according to a new report by former U.S. Under Secretary of Commerce Robert J

Elementary economics: Where do we learn our most lasting insights - San Francisco Chronicle
At least that’s been my experience. When I try to recall when and where I learned about money growing up, I draw a blank. And to be honest, I’m still learning (if not always implementing) basic lessons about money, even as I wade into middle age

Merchants want Congress to take a swipe at ’swipe fees’ - CNN
Merchants pay “swipe fee” when customers use MasterCard, Visa Swipe fees brought in somewhere between $38 billion to $46 billion in 2008 Credit card industry says the fees are appropriate because of services they provide Unclear whether restricting

New Credit Card Laws Offer Mixed Blessing - CBS News
making credit more expensive, banks also made it harder to get and keep credit cards. One big reason: Since the financial meltdown, many credit card issuers have been trying to reduce risk. The number of Visa services, prepaid cards and

Western Union Wins Two Prepaid Card Industry Awards - Stockhouse
The Western Union Company (NYSE:WU), a leader in the money-transfer segment of global payments, was awarded two prestigious prepaid awards for its new prepaid programs. Western Union’s Gift and Greeting Card service was selected as a winner in the

10 ways to make frugality fun - Bankrate.com
Set manageable goals, such as paying off one credit card at a time. When you achieve a milestone, celebrate by rewarding yourself. Share your goals with a money buddy who can help you stay motivated. The same way we can start a diet with good

New law that shows credit card costs may lead to shock for some - Dallas Morning News
NEW YORK – Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

Visa Introduces the Visa Signature Luxury Hotel Collection - Earthtimes
SAN FRANCISCO - (Business Wire) Visa Inc. (NYSE: V) today announced the launch of the Visa Signature Luxury Hotel Collection (VSLHC), a new premium travel offering enabling Visa Signature cardholders to find, book and enjoy unique benefits at a hand

Letter: The credit card companies can’t stand a guy like me - The Daily News Online
“Neither a borrower nor a lender be.” Credit card companies seem to forget this aphorism. Can we agree that the optimally performing economy is one in which financial transactions are settled and closed in the most timely manner feasible? That is, I

Report: Interchange Fees Impede Economic Growth, Job Creation - CSNews Online
February 22, 2010 - INDIANAPOLIS — Less than 20 percent of the interchange fees charged by credit card companies actually covers the cost of processing transactions, according to a new report by former U.S. Under Secretary of Commerce Robert J

Elementary economics: Where do we learn our most lasting insights - San Francisco Chronicle
At least that’s been my experience. When I try to recall when and where I learned about money growing up, I draw a blank. And to be honest, I’m still learning (if not always implementing) basic lessons about money, even as I wade into middle age

Merchants want Congress to take a swipe at ’swipe fees’ - CNN
Merchants pay “swipe fee” when customers use MasterCard, Visa Swipe fees brought in somewhere between $38 billion to $46 billion in 2008 Credit card industry says the fees are appropriate because of services they provide Unclear whether restricting

New Credit Card Laws Offer Mixed Blessing - CBS News
making credit more expensive, banks also made it harder to get and keep credit cards. One big reason: Since the financial meltdown, many credit card issuers have been trying to reduce risk. The number of Visa services, prepaid cards and

Western Union Wins Two Prepaid Card Industry Awards - Stockhouse
The Western Union Company (NYSE:WU), a leader in the money-transfer segment of global payments, was awarded two prestigious prepaid awards for its new prepaid programs. Western Union’s Gift and Greeting Card service was selected as a winner in the

10 ways to make frugality fun - Bankrate.com
Set manageable goals, such as paying off one credit card at a time. When you achieve a milestone, celebrate by rewarding yourself. Share your goals with a money buddy who can help you stay motivated. The same way we can start a diet with good

Credit card issuers redouble efforts to woo most creditworthy - Austin American-Statesman
Walt Serafin, a manager for a biotechnology company in Kansas City, is getting an iPhone as a reward from American Express Co. That’s not what U.S. card issuers and their lobbyists predicted could happen when they opposed legislation limiting abrupt

In praise of athletes from poor, small nations - Vancouver Sun
surcharges must be charged to Card or paid for with Points. 3 Miles must be converted in 10,000 point increments. 4 The 50% More Reward Offer applies to first $80,000 in net annual Card purchases per CIBC Visa Infinite Account at merchants

Credit card issuers redouble efforts to woo most creditworthy - Austin American-Statesman
Walt Serafin, a manager for a biotechnology company in Kansas City, is getting an iPhone as a reward from American Express Co. That’s not what U.S. card issuers and their lobbyists predicted could happen when they opposed legislation limiting abrupt

In praise of athletes from poor, small nations - Vancouver Sun
surcharges must be charged to Card or paid for with Points. 3 Miles must be converted in 10,000 point increments. 4 The 50% More Reward Offer applies to first $80,000 in net annual Card purchases per CIBC Visa Infinite Account at merchants

Mixed blessing: Credit card reform may shock some - KOMO News
Because the law makes credit cards less profitable, some subprime borrowers may not be able to get cards at all, at least for the next few years. There’s no fixed definition, but subprime borrowers generally have a FICO score below 660.

WiredBenefits Launches Pre-Paid Employer Benefit Suite - Insurance News Net
Payment Platform offers cost saving health and payroll options for employers SAN FRANCISCO–(BUSINESS WIRE)– WiredBenefits, a leading provider of prepaid healthcare solutions, has launched the Employer Benefit Suite, an innovative, turnkey platform

Mixed blessing: Your next credit card bill might shock you - Syracuse Post-Standard
this group, options may be limited to alternatives like PayPal and other electronic payment services, prepaid cards and payday lenders. “Not everyone either deserves or should have an open-ended credit card,” said Roger C. Hochschild, chief

No rhyme or reason’ - Courier News
Monday marked the beginning of new federal credit card regulation aimed at protecting consumers from sharp increases in interest rates and hidden fees, changes financial planners in the Arkansas River Valley said were “a step in the right direction

Visa Introduces the Visa Signature Luxury Hotel Collection - Earthtimes
SAN FRANCISCO - (Business Wire) Visa Inc. (NYSE: V) today announced the launch of the Visa Signature Luxury Hotel Collection (VSLHC), a new premium travel offering enabling Visa Signature cardholders to find, book and enjoy unique benefits at a hand

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

Mixed blessing: Credit card reform may shock some - KOMO News
Because the law makes credit cards less profitable, some subprime borrowers may not be able to get cards at all, at least for the next few years. There’s no fixed definition, but subprime borrowers generally have a FICO score below 660.

WiredBenefits Launches Pre-Paid Employer Benefit Suite - Insurance News Net
Payment Platform offers cost saving health and payroll options for employers SAN FRANCISCO–(BUSINESS WIRE)– WiredBenefits, a leading provider of prepaid healthcare solutions, has launched the Employer Benefit Suite, an innovative, turnkey platform

Mixed blessing: Your next credit card bill might shock you - Syracuse Post-Standard
this group, options may be limited to alternatives like PayPal and other electronic payment services, prepaid cards and payday lenders. “Not everyone either deserves or should have an open-ended credit card,” said Roger C. Hochschild, chief

No rhyme or reason’ - Courier News
Monday marked the beginning of new federal credit card regulation aimed at protecting consumers from sharp increases in interest rates and hidden fees, changes financial planners in the Arkansas River Valley said were “a step in the right direction

Visa Introduces the Visa Signature Luxury Hotel Collection - Earthtimes
SAN FRANCISCO - (Business Wire) Visa Inc. (NYSE: V) today announced the launch of the Visa Signature Luxury Hotel Collection (VSLHC), a new premium travel offering enabling Visa Signature cardholders to find, book and enjoy unique benefits at a hand

Credit card reform may shock some - Daily Item
Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law thattook effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a 14 percent

Credit card shock coming in your bill - Reporter
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

Western Union Wins Two Prepaid Card Industry Awards - Stockhouse
Visa(R) Prepaid Card Benefits — The card combines both rewards and a Visa reloadable Prepaid Card — Consumers save time and can earn valuable rewards sending qualifying Western Union Money anniversaries and seasonal holidays to weddings

No rhyme or reason’ - Courier News
Monday marked the beginning of new federal credit card regulation aimed at protecting consumers from sharp increases in interest rates and hidden fees, changes financial planners in the Arkansas River Valley said were “a step in the right direction

Next credit card bill may be startling - Tallahassee Democrat
Credit card customers may want to sit down when they open their statements this month and they may want to find a comfortable chair. The final portion of a set of new rules for credit card companies went into effect this week, including new lines on

Credit card changes take effect - Pueblo Chieftain
NEW YORK — Your next credit card statement is going to contain an ugly truth: How much that card really costs to use. Now, thanks to a credit card reform law that took effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with

Credit changes in effect today - Palladium-Item
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect today, you’ll know that if you pay the minimum on a $3,000 balance with a

Credit card law may bring shock - World Link
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect today, you’ll know that if you pay the minimum on a $3,000 balance with

Credit card shock coming in your bill - Reporter
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with a

Western Union Wins Two Prepaid Card Industry Awards - Stockhouse
Visa(R) Prepaid Card Benefits — The card combines both rewards and a Visa reloadable Prepaid Card — Consumers save time and can earn valuable rewards sending qualifying Western Union Money anniversaries and seasonal holidays to weddings

No rhyme or reason’ - Courier News
Monday marked the beginning of new federal credit card regulation aimed at protecting consumers from sharp increases in interest rates and hidden fees, changes financial planners in the Arkansas River Valley said were “a step in the right direction

Next credit card bill may be startling - Tallahassee Democrat
Credit card customers may want to sit down when they open their statements this month and they may want to find a comfortable chair. The final portion of a set of new rules for credit card companies went into effect this week, including new lines on

Credit card changes take effect - Pueblo Chieftain
NEW YORK — Your next credit card statement is going to contain an ugly truth: How much that card really costs to use. Now, thanks to a credit card reform law that took effect Monday, you’ll know that if you pay the minimum on a $3,000 balance with

Credit changes in effect today - Palladium-Item
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect today, you’ll know that if you pay the minimum on a $3,000 balance with a

Credit card law may bring shock - World Link
NEW YORK — Your next credit card statement is going to contain an ugly truth: how much that card really costs to use. Now, thanks to a long-awaited law that goes into effect today, you’ll know that if you pay the minimum on a $3,000 balance with