Credit card balance transfer offers require some homework

So the long-awaited CARD Act has been in place for a little over a month now, and credit card companies have, by and large, settled into their new reality. They're not raising rates on existing balances, and they're giving warnings about future rate hikes.

But there are some changes you still might not be aware of, and there are still ways credit card companies can pull a fast one on consumers who don't read the fine print. As this article points out, card companies don't want to let any profits go, so they're finding new ways to make their money that comply with the CARD Act provisions.