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Credit card reform may push more Americans into payday loan hell

The Credit Card Accountability Responsibility and Disclosure Act, dubbed simply the "Credit Card Bill of Rights," was backed by the President and was written to protect consumers from abuses that have come to define the credit card industry. The Act went into effect Monday. Unless you have a perfect credit score, however, the law might not do anything to help you borrow extra cash at a fair rate anytime soon.
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