For a country in recession, it's dumb not to be cutting waste and promoting efficiency. Why make it hard for people not to waste stuff? And, why not start with the obviously dumb stuff, like junk mail being an opt-in proposition?
The CARD Act was implemented on Feb. 22, 2010, and the two-year anniversary of this date marks a fair time to assess the Act's successes, failures and overall implications for consumers with credit cards.
It's the classic election year question: Are you better off now than you were four years ago? As the primary season gets under way, expect to hear some version of that question with increasing frequency. Your answer may depend on where you live -- and how you vote.
The credit industry affects all facets of personal finance and being ahead of the curve when it comes to credit issues could certainly help you save money and thereby lower stress. At the very least, you might learn something new!