By Claudia Buck
Posted by Alma Zhumagulova
If you've got a credit card, you've likely been zinged already.
Higher interest rate? Yep. Lower credit limit? That, too. New fees for late payments? Absolutely.
In the months since Congress clamped down on what it deemed as "unfair and deceptive" credit card practices, dozens of credit card companies have been busily hiking fees, rates and penalties in anticipation of stricter rules.
In the last few weeks alone, Bank of America tacked annual fees of $29 to $99 onto some cards and Citibank jumped some annual interest rates to nearly 30 percent.
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