On May 22, 2009, President Barrack Obama approved a series of rules that make major changes to practices within the credit card industry. Here is a list of the 10 key changes of the new credit card rules. The rules listed take effect until February 22, 2010.
1. No interest rate increases for the first 12 [...]

CONSUMER CULTURE
America is a consumer culture, and when we change what we buy-how we buy it- we will change who we are.  For the credit consumer, change is in shifting the main emphasis, reorganization in needs, wants, spending and over extension.   Consumers should concentrate on taking charge of their financial wellness.  Healing the debt [...]