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No matter what your circumstances, credit card preferences or spending plans, the golden rules are to be realistic about what you can afford to spend and ultimately repay, be disciplined about repayments by setting up a direct debit every month, and remember that credit card providers are out to make money, not solve your financial problems for you.
In fact, the new credit card law (CARD Act) which went into full effect in August 2010 represents one of the most sweeping pieces of credit card legislation instituted in years.