After decades of predatory credit card practices, the government has finally put an end to some of the worst. As of today, credit card issuers can no longer raise interest rates on existing balances or apply your extra payments (anything above the minimum) to the lowest-interest balance.

But that's not all ... the new credit card rules include 10 important changes. Are you familiar with all of them? If not, LaToya Irby, our Guide to Credit/Debt Management, has all

When disputes arise between repair shops and customers, many car owners are quick to get on the phone with their credit card company to reverse the charge. The chargeback is an important tool when things get bad, but don't pull the trigger too fast. Communication is key when you're in any type of transaction. Sure, if you think you're being scammed or stonewalled, get the ball rolling on a chargeback. I urge drivers to use a credit card for all of their maintenance and repairs they have performed at a shop -- it's good protection. But if you skip the important communication steps and don't try to work things out, you might be shooting yourself in th...

www.SettleYourCreditCards.com. CBS 2 / KCAL 9 News in Los Angeles say, "this book is a must read" for anyone struggling with credit card debt. "The Do-It-Yourself Bailout: How I reduced my cred...

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