The problem with the bill was that banks could still find ways to get around the bill and it didn't take effect until 8 months later . During the 8 months, credit companies increased card rates and fees. The bill was supposed to help consumers, but it actually made it harder to get credit cards, leading to higher interest rates. Banks were losing revenue so they turned to debit cards. The law did not provide for debit cards, so banks can still trap people into overspending. Consumers began using debit cards more often, which actually had higher fees. Overdraft fees would bring in millions for banks, thanks to advertising for free checks. Banks will continue to generate significant revenues as long as they can resume business without regulation. In conclusion, the card game controls the customers and holds them hostage. Credit card companies have been exploiting people for years and are now being fought against. This information will help me now, as I know more about the tricks that banks and credit card companies use to take more advantage of people. I also learned that debit cards aren't as protected as I thought. I believe this dilemma will last a long time, we can only learn to protect and look after ourselves