CAPE MAYB

As the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 reform legislation finally takes effect Feb. 22, the predictions, speculation, and conjecture about its effects will soon be swept aside. The realities are on the way.

You should be careful if you have a credit card and often use it for any type of purchasing. It is because the credit card might end up with bad credit where you will get difficulties to pay the bill.