In this July 23, 2007 file photo, signs for American Express, Master Card and Visa credit cards are shown on a New York store's door. Banks expect to tighten terms on credit cards in response to a new law that aims to protect consumers from sudden rate hikes, the Federal Reserve said Monday, Nov. 9, 2009.
Guest commentary by Phil Kerpen
By Mark Heller, Tribune
By Mark Scarp, contributing columnist
By Jerry Brown, contributing columnist
Guest Commentary by Bill Richardson