Click to compare credit cards and save!   By Jay MacDonald
Published: August 18, 2008  Hey, buddy, want to see some card
tricks?     Some of these tricks may soon be outlawed by the
Federal Reserve Board's proposed Unfair or Deceptive Acts or
Practices reforms. The public submitted a record 56,000 comments
on the reform proposals, which the Fed says it will issue in
final form by the end of 2008.   1. The closing date mind crunch
To McCoy's surprise, it turns out the card company had changed
her closing date to later in the month. "Apparently my payment
was posted one day before the new billing cycle began, so I
ended up making two payments in one billing cycle and none in
the next," McCoy says.         Gail Hillebrand Senior attorney,
Consumers Union  2. The over-limit limbo At the other end of
your minimum payment is the credit limit on your card. What
happens to those Icarus-like cardholders whose spending flies
above their credit limit? They get burned by an over-the-limit
fee that not only typically ex