By Mark Trumbull

"Starting Thursday, credit-card users are getting more time to avoid late fees and maybe rate hikes.  A new consumer-protection law won’t lift all debt burdens, by any means, but supporters call it a victory against some of the most abusive practices of the bank-card industry.  Here’s a rundown on what the Credit Card Accountability, Responsibility, and Disclosure Act means to you, both right now and in February when Phase 2 takes effect."  Click Here for the full article.