Credit card primer

Lots of changes are starting today, many of the related to interest rates and fees. Daniel Indiviglio has a good rundown, but here are a few basics:

--Credit card companies must give you 45 days notice to change rates, fees or terms.
--Interest rate increases only apply to new purchases.
--Credit card companies must tell you how long it will take to pay off the balance if only making the minimum payment.
--Due date must be at least 21 days after statement is mailed out by credit card company.