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While these changes which will not take effect until October 2011 at the earliest will not provide resounding repercussions, they will without a doubt effectively supplement the existing consumer credit card bill of rights.
FORBES: Fed Closes Credit Card Act Loopholes
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Gratuities, of course, greatly supplement the earnings of waiters and card dealers.
FORBES: Magazine Article
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That puts these accounts out of reach for families living paycheck to paycheck if they do not supplement their everyday spending with the use of a credit card, going deeper into debt each month.
FORBES: The Poor Are Priced Out of Checking Accounts