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The Credit Card Accountability Responsibility and Disclosure Act (or the Credit CARD Act of 2009) was passed by the United States Congress in 2009, expanding on the Truth in Lending Act (TILA), and took effect in 2010.

Its purpose was to curtail deceptive and abusive practices by credit card issuers.

The dollar amount of late fees is down as well, and the CARD Act directly caused this reduction...

Limitations on 'back-end' fees, along with restrictions on an issuer’s ability to raise interest rates, have simplified a consumer’s cost calculations.

Firstly, use reverse image searches and tools like to verify a person’s online identity.

You should check that the same image isn’t appearing across a variety of profiles under different names.

Not all dating scams involve prolonged catfishing, and certain mobile dating app scams differ from dating website scams.

In the Credit CARD Act, the Consumer Financial Protection Bureau (CFPB) was created to be a watchdog responsible for monitoring compliance and responding to consumer complaints.

According to one of its reports "over-limit fees and re-pricing actions have been largely eliminated; those effects can be directly traced to the Act.

If you receive overly flattering introduction emails or messages on an online dating site, simply don’t respond.

On mobile dating apps, don’t match with profiles that seem suspicious.

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