Some credit mistakes aren't so obvious. What's worse, the biggest secret credit mistake -- the one most people don't even know they're making -- actually happens when people are trying to turn their credit score around and be more financially responsible.

We at Card Hub compared more than 1,000 credit card offers in order to determine which will save consumers the most money in 2013. What we discovered is that the right credit card can literally save you hundreds (or even more than $1,000) over the course of a year.

It's true: the credit card advertised will cover you in case of fraud. But it's not necessarily out of the goodness of the issuers' hearts.

Thanks to the Credit Card Act of 2009, relief from credit card debt is on its way. Come February 22, 2010 there will be new consumer protections put in place. This legislation has something for everyone.

We have a financial system that has played to people's weaknesses. We have allowed people who are prone to instant gratification to have as much credit as they could get their hands on.